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

-----of course, is underneath the Financial Regulator, if we go back to 2003, in July, you wrote to Bank of Ireland after doing an examination into their mortgage lending policies and you said "The examination raises questions about the maintenance of lending standards in your institution, and about your ongoing monitoring, management, and control of risk in relation to residential mortgage credit." So what gave you any confidence in Bank of Ireland to responsibly administer this new product of 100% mortgage lending in 2005?