The future of the housing market looks positive and consistent.
We're quite positive about the future of the housing market. Over the last couple of years, the growth has been fairly steady and quite consistent. We've seen real house price growth to the extent of 7 to 8%. Depending on who you speak to, that could be as much as 13%. In terms of the sectors that are really growing, we expect that the development market will continue to grow, as there's a housing shortage. For a market set perspective, we expect that first-time home buyers will dominate the take-up of mortgages in the future, as well as growth in the middle to mass markets as well. So we're quite positive about 2015, going into the year.