Pearse Doherty (Donegal South West, Sinn Fein) | Oireachtas source

Well, the first ... the residential property that shows a drop statewide from 128.7% at the start of 2008 to 108.5% at the time you submitted your report is the CSO reference and Jones Lang LaSalle has their own property index which is on their website, which comments that there has been a decrease in commercial property in that year of 36.4%, in 2008. When you look at the CSO, also you actually see that property decreases were accelerating during that period. Why, given all of that, did you not suggest more provisioning or suggest that there was a concern in relation to the future viability of the business model of the bank that you were auditing?