Pearse Doherty (Donegal, Sinn Fein) | Oireachtas source

Yes, but Ms Goggin speaks about the third cohort of people who cannot get access to the market and she has commended the Central Bank on the prudential rules of the loan-to-income and the loan-to-value ratios. If those rules are commendable, is Ms Goggin suggesting that banks are still refusing to lend to people who are able to reach the two criteria, which is the core of how banks are lending at the moment?