Ciarán Lynch (Cork South Central, Labour)
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Before I bring in anyone else, I want to round this off. We have been around the room this morning with you, Professor Honohan and it would be unfair not to get this ironed out before we move on. You talked about the rules in the 1980s and the 1990s. In 1995, the Central Bank, in its winter bulletin, set out very clear advice with regard to concentration limits in the sector. This is referenced in the report by Peter Nyberg, who was before us recently and I think it is even referenced in your report.