Kieran O'Donnell (Limerick City, Fine Gael) | Oireachtas source

And you say, "neither the recession nor the banking crisis could fairly be said to have been 'caused' by developers." Can you expand on that? And in your view who ... it's the second last paragraph on page 1 and it says, "For present purposes, it suffices to record my personal view that neither the recession nor the banking crisis could fairly be said to have been 'caused' by developers." If not, who caused the crisis?