Ciarán Lynch (Cork South Central, Labour)
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And this brings me right back to where we are going, and I'm going to sum up with this. At the end of this process, Ms O'Dea, this committee is going to make findings, findings with statements of fact and recommendations and this will be one of the areas that we will be specifically referring to in our report. You spoke all morning about the advice that you were giving customers outside there and potential customers. I want to get down to the detail of what you were doing with the banks during that time. So can I ask you, you mentioned that the banks have to do affordability checks on high loan-to-value mortgages. When you continued to see that the high-value mortgages were being handed out by banks, despite your guidelines, which you just spoke about the moment, were any investigations ever done into the affordability checks that were done by the banks?