Pearse Doherty (Donegal South West, Sinn Fein)
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Can I just finish on this here, that's the point I'm making. When you say that one of the eight mistakes that were made was that banks became dependent on wholesale funding, how could it, is not, is the Asset Covered Securities Act not an instrument that allows them to depend further on wholesale funding by wrapping up mortgages and having them sold on the market?