Michael D'Arcy (Fine Gael) | Oireachtas source

You did, good. One of the issues that came very clearly from the FSR reports was the household indebtedness. From 1995, 71% of GDP, to '07 - you had left at that stage - to 248% of GDP ... of GNP. During your period, there was enormous growth of household indebtedness, primarily from mortgage lending. Were you aware of that? Were you aware of the massive increase of the mortgage loan book by the Irish banks?