Mr. Patrick Davitt:

Well, it could well have caused another bout of house price ... valuation. But, at the end of the day, you know, what first-time buyers were finding at that particular stage, probably from our members were, that it was very difficult to buy properties being a first-time buyer. And that was why, obviously, it was called for at the time. I suppose when you further read on that you will see there's a bit of a note on the market as to where the market was or where they felt the market was, which was slightly different.