Mr. Bertie Ahern:

It ... the low interest rates gave cheap money ... and there were, it wasn't only that, in 1999 if we want to look back, Chairman, I think one of the things we did in 1999 was when we moved from giving mortgages from a gross to a net basis. When we changed it from 20-25 years to 30-35 and 40 years, I think that had a greater effect.