Dr. Kieran McQuinn:

I will add to what was said. I think I made the point earlier on that this is a huge issue. There is a lot of work beginning in places like the UK to address this issue. If we just look at house prices generally, we all know what has happened to them in Ireland and how they rose, fell and rose again. This is something we observe across countries. We see it in the UK, France, less so in Germany and in Spain.