Mr. Liam O'Reilly:

I think that there was a confusion in the area of sectoral concentrations. To be quite honest, it seemed to fall into abeyance before the Financial Regulator came into place, and they seemed to be guidelines that were not applied. And just to say that during my term of office, we were searching around for what could we do to dampen credit. And I ... during my term of office, and I'm part of this, I never got a proposal that maybe we should bring to the board the idea of applying mandatory sectoral limits. Now-----