John Paul Phelan (Carlow-Kilkenny, Fine Gael) | Oireachtas source

Fair enough, okay. Can I ask ... I've a number of questions that I must put to you. Based on your dealings with the Irish banks in the pre-crisis period, did you get the general impression that maintaining and growing market share was a dominant driver in lending practices? And did you observe increasing competition between them for business with you and your businesses?