John Paul Phelan (Carlow-Kilkenny, Fine Gael) | Oireachtas source

In response to one of the previous questioners, you spoke about the three staff who were looking after Bank of Ireland, that this has changed and there are many more people involved now. It seems to me, as a layman looking in from the outside, that there was no connection made between the exposure that a bank had, taking Anglo Irish Bank as an example, to loans to a particular developer vis-à-visloans by other institutions to the same developer. Has the practice within regulation changed now so that there is much more focus on the overall level of exposure to a particular individual, company or business rather than what seemed to be the practice heretofore, whereby people were in silos and there were only three, as referred to by the Professor, for Bank of Ireland and Anglo Irish Bank?