So, none the less, that drop was something which attracted a lot of media concern and stories about people who were not able to get a mortgage, who wanted to get a mortgage. And I observed that, certainly in looking at lots of the media, a lot of the stories were about people who did not meet the current loan-to-value ratio (LVR) restrictions—that is, they did not have a 20 percent deposit. But the CCCFA, as it was newly introduced, had become something of a focus for members of the public, and banks had said that in some instances people had not received the mortgages they had hoped for because of that legislation.