Mr. David Doyle:

Yes, I did have that opportunity but, as I noted earlier, with the wisdom that Governor Honohan shared with you, which was to the effect that the damage was being done by the banks mainly in 2004, '05 and '06; if you come up with some great idea at the end of 2006, it would've been too late. If you look at the trends for lending to households in the non-financial sector, which is not the total-----