Mr. Jeremy Masding:

I assure the committee we did not close the book. The first question was in one part but the board and I decided it could be part of a more systemic issue. I give the committee my word that we did not close the book. We started to look at the matter in a broader way and that process morphed into the Central Bank of Ireland tracker mortgage review. I hear the Deputy's anger but I can look him in the eye and assure him we did not close the book. I promise him that.