Ms Mary O'Dea:

Well, I think that in terms of the inflation of house prices that was caused by the property bubble, we bought in, as did the IMF, the OECD and others, bought into the soft landing approach. What we did do, and I think it's important to say what we did do in relation to the consumer protection area was, we did many, many information campaigns warning consumers about the size of their mortgage, what their mortgage cost, and in fact one of the things that sticks-----