Mr. John McCarthy:

I think we have the third highest level of household indebtedness in Europe. Denmark and maybe the Netherlands are higher but that's ... the point is it's still very, very high. I'm not aware that the Department could do anything about it but it would be ... if anything was to be done it would be colleagues on the banking and finance side who look after credit growth. This was not on the economic ... the short-term and medium-term economic forecasting side of the house. Credit growth and indebtedness don't feature in our short-term models.