Ciarán Lynch (Cork South Central, Labour)
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Just one final question. I'll bring in Deputy O'Donnell then, Mr. Considine. If the tax incentivisations that were being discussed in 2003 in letters coming in from the Central Bank to the Department of Finance and obviously to feed on to the Minister of Finance for that year's budget, starting in 2003, our evidence will show that there was serious concerns with regard to tax incentivisations and that those difficulties and concerns were still there by 2006. If action had been taken earlier to deal with the tax incentivisations and to bring an end to them, would it have cooled the property market and would it have lessened the level of exposure of risk to this country?