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

And can you explain, Mr. Sheehy, why, under your tenure, between '05 on, your development loans, property and construction loans, you had a 52% rise in '05; '06, 41%; '07, 32%; way in excess of your competitors in Bank of Ireland, which were 23%, 23% and 22%, virtually ... significantly less. And, looking at it, that even with Anglo in 2005, you had 52% of an increase and you had ... Anglo had 38%. So, can you explain how you ... Mr. Buckley says you had ... you were a bank that lent to property, but how did you foster this culture where you had this rapid escalation in property and construction lending?