Dr. Cormac Keating:

With regard to the focus groups we carried out with consumers in various locations throughout the State, people were generally supportive of the prudential rules that have been introduced and they understood the reasons for them. We did not do any specific analysis on the numbers of people who were not able to get a mortgage. We would point out that one of the things we are trying to do is encourage new entrants into the market to encourage additional lines of capital and more credit into the market from additional lenders. We believe that in this way we can then service more people and address those who are not addressed by current lenders.