Kieran O'Donnell (Limerick City, Fine Gael)
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And you, in your role in the banking federation and so forth, do you in any way see did the SSIA accounts gave rise to a situation where the banks got increased deposits, and were effectively subsidised by the Irish taxpayer to the tune of 25% interest on top, sorry, 25% of the capital sum on top by way of a payment, and that allowed the banks to increase their loan-to-deposit ratios, and that, what was money... which was savings by people that were probably not investing in property, ended up fuelling property lending?