Ciarán Lynch (Cork South Central, Labour) | Oireachtas source

Okay, thank you. Can I just round off one thing in regard to what Deputy McGrath was asking you there. Just by your own assessment, when the loan portfolio started coming over to NAMA - and Deputy McGrath was talking about the ... the exposure that different borrowers may have had to different institutions - did you see any protocols that were in the banks or practices that they were examining maybe the way that personal guarantees might ... the same personal guarantee could be maybe given to a number of banks rather than just one or a situation whereby there was a level of cross-lending that the banks were actually aware of that such a person was so much into one bank or as opposed to one and did the banks actually have protocols to chase this level of risk or exposure?