Susan O'Keeffe (Labour) | Oireachtas source

I mean, given that 100% mortgages were literally handing somebody, you know,carte blancheto buy a house, what was going through Ulster Bank's mind at that time that they thought this could possibly be a good idea, given that you had, I imagine, in the bank quite a number of people, possibly including yourself, who had been bankers for a very long time and had always known that there was a kind of practice there about mortgages that, you know, don't give 100% because people need to have saved something and so on? What on earth happened at that point that somebody said "Bingo, this is a good idea"?