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

Sure. The evidence that we have heard, as an inquiry, is that that interest income, while not being actually received while it's being rolled up, was being recorded as income by the banks and the loans were deemed to be fully performing because they were acting in accordance with the loan agreement because no repayments were due. And, of course, when the crash came then, the full extent of the picture subsequently emerged, and that's why, I think, there is some focus on the issue of interest roll-ups as a feature of these loan agreements. But you're saying they were common practice-----