Mr. Tom O'Connell:

Well, on the bank side, certainly at my level there was no action I could take, you know. It was a matter for the regulatory side. The regulatory people were dealing with the individual banks who were ... whose lending was increasing, I think, as you said at various sessions, 30%, 35%, 40% per year, and ... and ... I mean, to give you an example of what I did when ... when I saw the quarterly data on sectoral credit and I saw the sectoral credit, the property-construction sector going ... increasing at 65%, I went to a leading person in the regulator and said "Something has to be done." They said "No, it's okay. It's secured on property."