Mr. John Hogan:

The Central Bank looked at it recently as part of the change in the mortgage rules. If we look at the background to the decision by the bank on that, it published quite a bit of information on its approach to it, what drove its decision on this particular occasion and so on. There are other schemes as well. The shared equity scheme, for example, has 650 approvals at the moment, so there is help for a deposit with that. We are mindful as civil servants when we offer advice to the Minister that we recognise what is happening out in the world and what the pressures on individuals and households are but there is always that balance to be struck between the piece the Chairman articulated there-----