Marc MacSharry (Fianna Fail) | Oireachtas source

Okay. I suppose what I'm trying to get to, did it loosen? As economists, did it loosen the credit? I mean in the early 1990s, I mean, you needed a letter almost from both parents over 90, and one from the Pope, and a five-years' savings track record, and a guarantee from mam and dad and everything else. I mean, as more money became available, as competitiveness seemed to be driving each of your institutions to maintain market share, was the easier liquidity of the euro leading to looser underwriting approaches by financial institutions?

Do you want to take that?