I was just thinking in the early nineties there was a negative equity trap. People bought houses and the price went down. The mortgate was worth more than the house and people had to pay the mortgage off because they had a contract. The same situation exists today where people have paid enormous amounts for their house and are locked into a mortgage. If the house prices fall, which they will, unlike the nineties when the market recovered quickly it could be a situation where people end up owing a mortgage on a property that is worth far less for their whole life. I was wondering if any of you had an opinion on this. Do you think it is likely?