Mr. Michael Fingleton:

It depends on the competition. I mean, the reason for my statement, there Senator, in relation that no single society ...

If Irish Nationwide, for example, Senator, decided in 2003, for example, or 2002 or wherever, we're not going to do any more lending ... with the competition in the market, the lending we did not do would be absorbed by the other providers of funds in the market. You'd have to have everybody prevented from or ... or to make the decision not to lend. Do you understand what point I'm making?