Andersson responds: “When we first introduced the LTV ratios, no one thought that we did the right thing because all the experts and media thought that we were creating a problem that didn’t exist. But after six months, taking the vibrant discussion in the media into account where we showed the analysis and took the debate, a lot of people thought that we should do more, because this was now seen as a serious problem. We’ve seen that the discussion changed the ballgame and actually made household indebtedness an issue that everyone needs to take seriously. That was actually one of the big achievements, to get the problem on the agenda, and what we need to do is continue to work on these different measures to make sure we change people’s behaviour.”