Mr. Tom O'Connell:

Well, I think, as I said in my opening statement, the, the view in the banks seemed to be ... and I mean, this came out very clearly when we were ... we would be discussing or interacting with the IMF and the OECD, in particular with the OECD country reports, it was embarrassing. When I used to go to Paris to ... with people to look at the reports, almost every line was parsed, and any, anything of a negative nature needed to be taken out. So, for example, if ... let's say if the OECD was saying that the house price increases are "very significant", they would be asked to maybe alter that to "quite significant", you know. I felt it was quite embarrassing. My attitude to these things was the IMF came here for the Article IV missions; we spoke to them, we gave them our views. My attitude was, let them go off and make up their own minds and come back and if their view is different from ours, having considered what we had said to them, so be it. And if they have different views from those prevailing in the country as a whole, I think that would help domestic economic debate.