Mr. Bertie Ahern:

My ... our whole consideration was to try and get supply equal to demand so that the people who wanted a house in this country got a house. Have I regrets that prices went so high, that our banks weren't ... like, I have to say, Deputy, when I think about this and go through it, if the banks had been creating enough in capital for their exposure; we wouldn't be here at all. And that, I can't ... I don't want to say something I don't believe in and I don't want to be here in a year's time saying, ''Ah, sure, I went along for handiness sake in saying that was a mistake'', but it wasn't my job to create the capital ratio.