Kieran O'Donnell (Limerick City, Fine Gael)
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And that's significantly higher than your two main competitors at the time, Bank of Ireland, which was 24% and 23%, half of that amount virtually, and Anglo were at a figure of 35% and 38%. So you might explain how we have these sequence of events whereby you had these various defrauding of customers happening and, at the same time, '04 and '05, you had this rapid explosion in property lending under your watch, Mr. Buckley.