Ms Mary O'Dea:

Yes, I would, and we issued a public consumer warning at the time in relation to the build-up of negative equity. It was in our consumer information that we put on the website to warn consumers that if you took out 100% mortgages this is what could happen. But I don't have the figures on this, but I do suspect that the majority of people who are in terrible situations with their mortgages now are not actually the 100% mortgages, that actually it was even lower levels of that that were the issue in terms of affordability.