Professor Patrick Honohan:

Well, yes, I meant awareness. There's no rule saying you can't borrow from many banks, but the mechanism which we have put in place that will semi-automatically do this for you is the credit register, which actually is not up and running yet; I acknowledge that. But the awareness of this as a question that needs to be asked and drilled down on by the supervisors and now a greatly increased number of on-site supervisors so they're in the bank for weeks and weeks and they are poking around. And, of course, if people are trying to trick the Central Bank, then that's a different matter. It's attempted fraud or something like that.