Susan O'Keeffe (Labour) | Oireachtas source

Can I just finish? Again, in that same report, and I'm sure all of you saw it, the OECD said, Ireland, it is more exposed to a negative shock, sorry:

However, it is more exposed to a negative shock that reduces residential and commercial property prices simultaneously as more than half of the banking sector’s loan book relates to property. Hence, it would be worthwhile for banks to err on the side of caution.

Now, is that a contrarian view or is that an important organisation giving a very strong opinion in 2006 or how did your bank view it at the time?