Eoghan Murphy (Dublin South East, Fine Gael) | Oireachtas source

Okay. In correlation with the new unit, which was targeted at the main players, as it was described in the minute, in the property sector, in mortgage lending, growth moved from €27.6 billion to €60.8 billion between 2001 and 2008, and if we go to reference document BOI - B2, page 10, we'll see that policy changes ... there was a number of policy changes for mortgage lending at the time. Income multiples changed, loan-to-value policies changed, 1st Start mortgages were introduced, and more flexibility was allowed to seasoned multi-property borrowers. Do you think these changes were appropriate, and is this an example of you changing your business practices to chase the competition?