Mr. Patrick Neary:

Well, I think we touched on that earlier, Chairman, it was a kind of the professed position of the authority that a wide range of options should be available to customers, and that, you know, if there's ... if a 100% mortgage, for example, was considered suitable for a particular cohort of customers, that they should have the opportunity to avail of that and be advised accordingly and sold the product properly. And, you know ... there's merit, I suppose, in that approach.