Kieran O'Donnell (Limerick City, Fine Gael)
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Why not? But you see, for the ordinary person looking in you had the credit growth rate in those years between '04, '04 and '05, the ... dare I say it, the credit growth was ablaze like a burning fire. So, what I'm trying to understand, and for the ordinary person out there is, how do we suddenly come to a situation were you had budgets in '03 and '04 that were conservative budgets-----