Kieran O'Donnell (Limerick City, Fine Gael)
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Can I just ... in the limited time that I have, Project Atlas provides a very, very stark statistic that when it was ... they looked at the loan book in '08, Bank of Ireland had €5.4 billion of ... related to land bank ... land bank loans alone. And of that €5.4 billion, €3.2 billion, which is 60% of that loan book had no planning ... of that land. So you had €3.2 billion out for land that had no planning. How did that happen?