Mr. Tom O'Connell:

Well, various papers were done, you know, which went up the line on the overvaluation ... is one. One thing I forgot, actually, when I mentioned about the high house price levels in Ireland by comparison with Europe, I saw from the papers that were sent to me, in actual fact there was a board paper sent in 2003, based on the date on which I had got myself, from my colleagues I had come across in European central banks, pointing out or illustrating that house price levels here in 2003 were high ... were the highest in Europe. Amongst all the capitals, and-----