Mr. Charlie McCreevy:

That would be my view. By the way I will just say this graph figure 36 relates to average industrial wage. Maybe you have another graph to show what was the net take-home pay levels in those particular years as well. Because a lot of the reason that people were able to buy houses and buy other houses relates to the affordability relating to their take-home salary rather than actually their gross industrial or gross any other wage, as you well know yourself from paying your own bills every month.