Michael D'Arcy (Fine Gael) | Oireachtas source

I welcome Professor McDonough and thank him for coming here. He states:

The global crisis, the European crisis, and the Irish crisis all find their origins in the same basic institutions of the age. All are rooted in the four institutions of globalisation, neoliberalism, repression of labour, and yes, financialisation.

Which of these does he believe was the most important in causing the Irish banking crisis?