Arthur Spring (Kerry North-West Limerick, Labour)
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I am trying to get my head around this. What risk is attributable to new business in a market which, according to us, is in an ascendancy position at present? Is it relative to the risk attributable to previous mortgages or is it on a new basis? Is it isolated within the bank when it is being funded or is thrown in with the funding of all existing mortgages? Is this why it can be reduced to 4.3%?