Kieran O'Donnell (Limerick City, Fine Gael) | Oireachtas source

We were told by Mary Burke when she was in that the stress testing up to 2006 was carried out by the Financial Regulator and that the Central Bank stepped in and, under questioning from my colleague, Deputy Phelan, she did agree that, in terms of stress testing of the banks in terms of mortgage lending - residential mortgage lending we'll say - that the supervision department in the regulator would look for a 2% stress testing above the interest rate they are being charged. So the question I am asking is - and you have made reference previously - could you explain why the Central Bank took over? And it does seem unusual that-----