Sean Barrett (Independent) | Oireachtas source

Thank you. I might put one question to Mr. Crowley. And this is core document B2, pages 37-47, Mr. Crowley, and they'll come up in a while. This was a board decision to allow ... to move the earnings multiplier allowing customers to borrow up to 4.5 times their annual income and also to increase the loan-to-value threshold and was made in 2002. Why did the board do that, Mr. Crowley?