Ciarán Lynch (Cork South Central, Labour)
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Just one other matter relating to that. Towards the conclusion of your opening statement, you say: "Bankers also played a role of touts for developers. Frequently, it was the banks who spotted the potential of a well-located site and will then line up one of their client developers to run with it." That is on page 3. In general macro terms, not specific situations, how prominent was this approach to property development in the banking market, by your reckoning?