Mr. Kevin Cardiff:

Well, to take the Central Bank and Financial Regulator together, I don't think it was awareness of the developments. In fact, in ... for example, in the financial stability reports, things were dealt with but also, in 2006, there was quite a detailed paper by a guy called John Kelly and a colleague, I think, in the Central Bank, that they published that, sort of, looked into the documents in credit. Now, the last time I read that was in 2007 so I can't tell you which quarter bulletin to look at but it was there. I only remembered it because John was a friend of mine at the time. So, there is a, sort of, a ... there was a real attention to the fact that credit was changing, growing and so forth but there were also these other factors that people were using to explain it-----