Kieran O'Donnell (Limerick City, Fine Gael)
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One final question, Chairman. You made reference in one of your earlier contributions where you spoke about that you ... the 100% mortgage and how we react to the 100% mortgage, and you said that ... it was about the capacity to repay. So the question I suppose I'd ask is: would you not take into your thinking that, with 100% mortgage, that you were leaving the borrower far more exposed in terms of negative equity in the fall in the value of their property, and that there was a certain, we'll say, element of enormous amount of risk in allowing the 100% mortgages to continue?