Paschal Donohoe (Dublin Central, Fine Gael)
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I can answer the question and we can follow it with a note. It has improved slightly because EUROSTAT has issued guidance that allows us to make decisions on a forward-looking basis. As a result, we have a better idea of where policy on the matter stands. All that being said, I continue to be careful regarding the use of off-balance-sheet mechanisms. Even though some may not be on our balance sheet, they absolutely affect the quality of it. That is one of the many lessons that we have learned from what happened to the banking system. We can come back to the committee with a note on that.