Pearse Doherty (Donegal South West, Sinn Fein) | Oireachtas source

I appreciate I am running out of time, but I have two final questions. We saw the figures on the numbers of staff who have been lost and branch closures. Can the delegation assure us that there will be no branch closures in 2015? Can it inform us of the highest loan-to-value mortgage it issues? What is the loan-to-income multiple? We know the Central Bank is proposing mortgages of 80% of a property's value and an income multiple of 3.5.