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

Okay. I just want to change now, if I can. You've spoken in answer to Deputy Doherty in relation to the 100% mortgage issue. You're critical in your statement about the regulator, particularly about the prudential, I suppose, side of the regulator. Did you at any time voice your concerns, either internally to the board of the bank, to the bankers' federation, which you mentioned in your statement, or, indeed, did you voice your concerns to the regulator, outside of that 100% mortgages issue, about lack of sufficient prudential regulation?