Michael D'Arcy (Fine Gael) | Oireachtas source

But, Mr. Walsh, all of the institutions were concerned about market share and not just you but the others have all said that they were prepared to fight for their share of the market. And it also seems to me that, over that period, that it wasn’t just organic - it didn’t just start and be created - that there was a plan in place going back to demographics, and Mr. Fingleton touched upon it earlier, of the late ’70s ... that children born in the late ’70s would require loans and housing from the noughties onwards. Your ... the institution that you chaired was ... cost the most in terms of the money that was State required and you're saying to me that no one institution can create a bubble.