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

As an organisation. So in your view was the ... two quick questions. Number one; why did EBS enter the market when clearly it was a profitable company, profitable business prior to that? And why did it go in after the land and development business? Did it have the requisite expertise? You spoke already about risk assessment. And do you believe at the time, for the organisation, that it was a ... I suppose a ... bordering on a reckless move as a mutual society?