Michael McGrath (Cork South Central, Fianna Fail) | Oireachtas source

Okay, on the issue of the amount of equity in, in projects, you, you address that issue on, on page 16 of your witness statement, and you say, "Ballymore ... utilised a range of funding structures, from 100% equity funded, to 100% debt funded (when available) to a loan to value range of anywhere from 60% to 90%, with 80% being typically available during the period." Were 100% debt-funded projects always a feature of, of the banking system, in your experience of dealing with them over the last couple of decades?