Mr. Bertie Ahern:

Yes, it was, Chairman, because maybe the affordability debate was always to the fore more than some of the other issues. But, as I said earlier on, in 1999 when the loan-to-value changed and there were a number of changes ... 100% only came 2005. But it went to 80%, a far more general 80%, as I think you mentioned, if not today, on another day. There was also the gross-to-net, which I think is not to the extent focused on as it should be because that made a huge difference in the amount of the mortgage that a person on the average industrial wage and their partner, whoever ... whatever circumstances they were in, were able to borrow. It gave a huge ... it was something like €140,000 more, which was an enormous amount of money. Like, if you were looking and, somebody goes into the mortgage person, and they've said, "No, you can't get an increase on your mortgage", and next month you come back and you can get €140,000 more and you're on the same income; that's what happened. That had a huge impact as well and I think when ... those few things coming together in '99, 2001, is what zoomed that graph up, up substantially.