Dr. Gabriel Fagan:

I am not familiar with the precise modalities. We are in the process of evaluating the mortgage rules. We have had a public consultation. We have received 50 submissions from different organisations and individuals. We are going through and analysing these inputs. We are conducting quite an extensive analysis of the available data to assess the impacts of the rules on various criteria, whether they are meeting the objective of enhancing financial stability and what are the side effects such as the ones the Deputy may have mentioned. We intend to come out with the outcome of that review at the end of November. Pending that, be reassured that there is a lot of ongoing work in the bank at the moment to address the issue of assessing these rules.