Sean Barrett (Independent)
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Could we look, Chairman, at the core document on page 27, and it's a representation made by the CIF in relation to NAMA in 2009, and it says, "Verbal Representation[s on] ... Undertakings given by banks to borrowers must be enforceable against NAMA". Isn't that the opposite to what you've just been saying? You know, that we have to get this industry more professional, and we're saying, no, that NAMA should honour verbal agreements between banks and developers?