Mr. Tom O'Connell:

Well, you could ask: should I have done more? But, I mean, as I pointed out to you, even in 2003 that paper on house price levels, which went to the board, I mean, that would be an example. And if ... I remember when ... the Chairman asked me did I appear at the board. Yes, I used to go to the board for certain parts of the agenda and, invariably, the top items on the agenda would be the increase in bank lending, property prices and lending to the property sector. And-----