Michael D'Arcy (Fine Gael) | Oireachtas source

Mr. Duffy, you hadn't taken up your position within AIB very long when you publicly stated that AIB would consider writing down loans, debt forbearance. In terms of debt forbearance, and a moral hazard between mortgage write-down and-or SME corporate write-down, could you just outline your view why you so quickly moved to that position?