Sean Barrett (Independent) | Oireachtas source

Okay, thank you. On B3, Vol. 1, page 6, there's material from Mr. Treble who was looking at the loan-to-deposit ratio going up to 157% at the end of 2006, which would brought you second only to HBOS, and that is a more risky form of banking than relying on deposits and, in the same volume he said that targets were set not to go to 157% but to be less than 134% at the end of 2006. And the same document you see that coming into 2007, it was already at 162%. Was that not a risky way to respond to Mr. Treble's concerns about that issue?