Dr. Colin Hunt:

I will ask Mr. O'Keeffe to come in in a minute, but we comply with full with the macroprudential rules of the Central Bank in relation to mortgage underwriting. At a general level, the standard of underwriting across the bank - by underwriting I mean the bank evaluating a loan application - is of a far higher quality than it would have been in the run-in to 2007 and 2008.