Pearse Doherty (Donegal, Sinn Fein) | Oireachtas source

Some people would argue that it is related, in the sense that the company came in and tried to drive down premiums and others followed. I would like to repeat my main question for the final time. The former Governor of the Central Bank, Professor Honohan, was able to tell the Minister in writing that insurance companies were acting imprudently. When did the Central Bank become aware that this was the case? I am not asking for a date or a time. I am asking whether this was happening in 2010, 2012 or 2014. Can Dr. Roux tell me what was the earliest point in time when the Central Bank was generally of the view that insurance companies were acting imprudently?