Eoghan Murphy (Dublin South East, Fine Gael) | Oireachtas source

Okay. In July 2003, the Financial Regulator said that "The examination raises questions about the maintenance of lending standards in your institution and about your on-going monitoring management and control of risk in relation to residential mortgage credit." That's in BOI - B1, page 67. Do you recall that criticism from the Financial Regulator at the time in relation-----