Kieran O'Donnell (Limerick City, Fine Gael) | Oireachtas source

So I mean, I suppose to borrow an Oscar Wilde phrase, for one to happen would be unfortunate, two is careless. So clearly people were not taking account of the investigations that were going on in the other areas. So how do you finally account for that? And you might also explain to me as well in terms of property lending, that during your tenure, post '04, so '04 and '05, you had an increase in property lending of 6% in '03. You had 48% of an increase in '04, and you had 52% of an increase in '05, just before Mr. Sheehy took over.