Mr. Brian Cowen:

Well, you see ... yes, but that was in the ... that was after, you see ... when we're talking about ... we're talking about August ... when you assess in August 2008 that the drop in prices has been 3.5% from the previous August, you then say to yourself "Okay, there is evidence of an abatement in price. We've seen before that moving this way, it's now starting to go this way. It's not gone to 12%, it's gone to"... you know, so you're saying, okay, absent any major shock, you ... the likelihood of the gradual easing up of the 15% bubble, if you like, was ... was-----