Mr. Tom Considine:

I got ... you sent me ... the committee sent me Tom O'Connell's opening statement ... so I didn't ... you know ... it didn't ring any bells with me. I don't remember any such views being expressed to the board but I think there is an issue around house ... there is an issue around asset pricing. Sometimes, as in the case of our own housing situation, prices can rise for a very long time without anything happening.