Ms Mary O'Dea:

Yes, and I think what we did in that regard ... one of the things that sticks in my mind was warning consumers that the price of their mortgage was often more than the price of their house and pointing out to them - especially the longer the term of the mortgage - and pointing out to them that apart from whatever they were paying for their house, be it €280,000, that their mortgage might even be costing them more than that. And we tried to point this out to people at the time. We had no control over the price of the actual house at the time.