Eoghan Murphy (Dublin South East, Fine Gael)
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Thank you, Chairman. And thank you, Mr. Davitt, you're very welcome. Looking at the pre-crisis years, how did the various codes of conduct deal with a situation whereby the valuer was being paid by a borrower, often a large developer, rather than directly by the lender? How did the code of conduct deal with that? Or did the code of conduct deal with that?