Thank you.
It's notable—I'm looking at page 21 of your report—that growth and household debt peaked in 2008. In the first half of 2008, 50% of new mortgages were 40-year mortgages.
You said earlier that you welcomed the steps to tighten the rules. What's your view on the decision to loosen them from 25 to 40 years? You supported the decision to tighten them from 40 years to 25 years. You must have an opinion on the decision to move them from 25 to 40 years back in around 2006.