Pearse Doherty (Donegal South West, Sinn Fein)
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Thanks for that, Professor Honohan. Would I be right in saying that, like, the two examples that you gave me were the increase levels of fines, but the fines ... there was a level of fine that existed to your predecessor which was not utilised, and the second one was the loan-to-value ratios that could've ... that the power existed by your predecessor, but wasn't utilised either?

So in ... while I acknowledge that there is enhanced powers now, is there ... was there ... is there anything that was simply not there in terms of a power that you have now that they didn't have?