Michael D'Arcy (Fine Gael)
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Can I put it to you, Mr. Neary ... we've had AIB, Bank of Ireland and Ulster Bank in, and they've all made the point that while they had access to their own data of their ... people who they had lent money to, to particular developers, and to a particular sector. One of the things that they did not have access to was the consolidated data, that that was a matter for your ... for the Financial Regulator. And you had access to the information, which clearly showed, in particular, the commercial real estate sector was massively over-linked. And what I'm saying to you is: why did you not use the powers that were available to you? The question I'm asking you, to cool that sector, to slow it down ... did you see the evidence from Mr. Dan McLaughlin?