Ciarán Lynch (Cork South Central, Labour)
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-----Ms O'Dea, and the last thing I'd want to be doing is asking this committee to write back to get further information or clarification, and to provide people with the greatest opportunity for them to decide here. I just want to get your position on this 100% mortgage.

To use an analogy, it's like the Road Safety Authority telling people to put on their seat belts and people should be listening to them and putting on their seat belts. But if a car manufacturer's making cars without seat belts, then somebody else has to do something with the car manufacturer. It's one thing to tell people to be mindful of availing of 100% mortgages, it's another thing to say, "Stop providing them". Do you have a view as to whether 100% mortgages were a suitable product and that they should be been taken off the market?