Ciarán Lynch (Cork South Central, Labour) | Oireachtas source

Okay. I want to deal with the affordability issue, now, as we spoke about earlier and that's affordability of mortgage loans in terms of home buyers as opposed to buy-to-lets. It seemed that you related this to the ability to get a loan from the bank, as you referred to the discussion, to 100%, loan-to-values, net income calculation and also the extension of the maturities of mortgages and so forth. Were you at any time ever worried about people being able to get a loan and were you also worried about people actually being able to repay those loans? Because what we had was people on ... you take the ordinary industrial wage, the multiple of that person buying their home went up to ten times their income, and it was stretched out over a very, very long period. So was the affordability ever a concern?