Mr. Sean Alger:

What was uncovered in the financial crash subsequent to the Celtic tiger years was that in some cases banks used lending practices that would allow the borrower's solicitor to certify title and register security. Very often, there were defects in how that security was registered. We do not rely on the borrower's solicitor to certify title and register our security. We have our own independent panel of solicitors to do title investigations and register our security.