Ciarán Lynch (Cork South Central, Labour) | Oireachtas source

And that brings me right to my final question. The market spoke and from our earlier questioning, we know that the market is not neutral, that the market takes direction from the tax incentives put in place. The market was speaking loud and clear that affordability levels were running beyond the capacity of people in this country. To be able to buy a home in ratios of four to five and you are dead right, Mr. McCreevy, whenever we talk about affordability as well. Because what we have found since the crash, it's not actually people losing their jobs that has been the main difficulty in terms of them servicing their mortgages and the Keane report is very explicit in this, it has been their affordability to be able to service their mortgage. So I put the question to you again, do you think your actions as Minister for Finance either impacted on one section of society more than the other, favoured one side of society over the other or had legacy issues that related in terms of hardship or benefit to one side?