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

A final, brief, last question. As somebody who has vast experience before you came to AIB, and having looked back at, I'm sure a number of the loans that were made, maybe the larger ones in the period 2003 to 2008, by the bank, do you believe that any of the lending practices engaged by AIB in that period were reckless?