Ms Fidelma Clarke:

Yes, the broker business only launched in 2007 if memory serves, so it was closed off pretty quickly in 2009. There's no question, I believe, that there was concerns about commercial property lending, which was reduced in the second half of 2007 and, as the committee is aware, ceased altogether for land and development in March 2008 and then in July 2008 for all commercial property lending.