Mr. Bernard Byrne:

I will ask my colleague, Mr. Mulhall, to comment on this issue, but it is important to focus on the immediate matter - the complete lack of supply. One of the issues affecting all of the aspects referred to by the Senator concerns the distortion on the rental side of the market and the overall position because of the lack of supply. We are dealing with an aberration at this point. Mr. Mulhall will speak about the mortgage criteria and how we consider applications.