Susan O'Keeffe (Labour)
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You talked earlier on about the 100% mortgages and we heard testimony that Mr. Goggin said he had a visit from the Financial Regulator. This was in his own testimony, page 19, "I had a visit from the Financial Regulator who himself was expressing concern about the development of 100% mortgages in the marketplace", and Mr. Goggin remarked that it was odd because the Financial Regulator came to visit him and that wasn't normally the case. That's why he remembered it very particularly. And I think you've said to us ... to my colleague, that you didn't think that the Financial Regulator had any concerns, so maybe ... you might just clarify for me.