Mr. John McCarthy:

I understand my colleagues in the banking and finance division were concerned about those issues. I do know - when the Central Bank raised it in one of their quarterly reports, so not the financial stability report - we did have a line, a speaking point or ... or a line in a note we did for the Minister, saying that they were concerned, sorry that we, the Department were sharing the concern of the bank regarding the level of - I think it's household indebtedness you're referring to Senator rather than public or NFC indebtedness - that the Minister and that the Government shared the concern and that it was incumbent upon the banks to lend prudently and to take into account the fact that interest rates could change and so forth. It's in one of the documents here, if you bear with me I'll be able to find it but-----