Mr. Tom O'Connell:

Well, maybe it's not the best choice of words by me but it probably wasn't necessary. I mean, I would know from the press anyway. These guys who were developing places around the city and so on, they had to be borrowing massive amounts but I wouldn't have known definitively. But, of course, I'd know that ... I'd know that individual bank's lending was increasing massively and the aggregate lending was increasing massively too to the property sector, yes.