Mr. Edmund Honohan:

Yes. If the investor gets into trouble or there is some hiatus that slows up the cashflow, then he may be subject to margin calls from his banker and that, in turn, might lead to a sell-off of the investment, which is the mortgage-backed security, which, in turn, would lead to some difficulties for the retail bank. Now one has a situation where the Governor of our own Central Bank is saying there is risk of contagion.