Marc MacSharry (Fianna Fail) | Oireachtas source

Okay. In terms of the euro ... with the introduction of the euro and between competitiveness, which you have all spoken about and the highly competitive environment, and I suppose the additional facility and access to liquidity, or easier liquidity that the entry in the euro gave, did that drive down what you've referred to Mr. McLaughlin as credit quality or underwriting quality?