Ciarán Lynch (Cork South Central, Labour)
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-----of bank products. What I'm asking you is that you stated that you had an awareness of those, you were advising customers in the market as to your concerns about them, but you were also a member of the Irish Financial Services Regulatory Authority - you were on the board. What action were you advising the board to actually take, that it could go into banks or put measures in place or issue guidelines or put structures in place to deal with these concerns?