Joe Higgins (Dublin West, Socialist Party) | Oireachtas source

Okay. Yes, but the NAMA chairman in his evidence to this committee spoke about... I quote him:

The model did not appear to require a stringent approach by borrowers to analysing project feasibility. The safety zone of borrower equity usually existed only on paper. The result is that the borrower was typically not the first to lose.

Do you recognise the Bank of Ireland in here?