Mr. John McCarthy:

I remember looking at the SSIA issue and what the impact ... the issue was, the SSIAs were coming to maturity and we were trying to forecast consumption. So you had this kind of windfall gain that was coming to the household sector, what was going to be the impact on consumption? So what we did, we actually asked the CSO to compile a study on our behalf and to make it public to everybody, so it's in one of their modules as part of the QNHS, to improve the evidence base for us. They did it, they made it public. And on foot of that, we made an assumption then what the marginal propensity to consume from these additional income would be.