Mr. Michael Fingleton:

Well, I took into consideration ... certainly, as I've said in my opening statement, I went through three of them, where there was a downturn in the property market, but I didn't expect ... or there was no evidence to support, either emanating from the Central Bank, who were charged with the financial stability of the State, or the Department of Finance or anybody else, to suggest that there was any downturn going to emerge, except a soft landing, which would equate to my experience of downturns in the '70s and '80s-----