Mr. John Hurley:

Well, when the advice was given in 2004 to look very clearly at the property incentives, I wasn't at all sure that that would be taken because there was a very difficult experience that the country had as a result of the 2001 and 2002 slowdown, so I thought that that was a very, very positive development. I thought the ... I thought the raising of that in the budget '04, the getting in of consultants in '05, and the making of a decision to eliminate the property incentives was a very strong action at the time. That's was my belief of time. I believed it was ... We were very pleased with it in the Central Bank..