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

Okay. Banks were under increasing pressure due to interbank competition to offer incentives such as - and we've mentioned a few of them before - non-recourse loans, interest-only and roll-up ones as well. In your experience, were such practices common among the banks in Ireland? And did the situation differ greatly from practices in banks in other jurisdictions?