Mr. Patrick Neary:

I'm not an economist, and that's not a defence, and, you know, it certainly would suggest to me that ... it raises a question about people able to meet their indebtedness, in general, but bank loans are, you know, done on an individual basis, and if we are talking about ... people's ability to service their, their commitments for residential mortgages and that, you're looking at them on an individual basis. I mean, this would be a sign. I would expect that people who are, you know, trained and proficient in, in assessing, you know, economic threats would have raised an alarm about, but in some strange way, this transmitted into a message from the Central Bank that, notwithstanding all of these issues, that we were going to have a soft landing.