Sean Barrett (Independent) | Oireachtas source

Now, in that picture, as we listen in in the inquiry ... one is that the management of banks themselves changed. They seemed to centralise all decisions and that the conservative old-style bank management based in towns around the country which, you know, didn't lose much money was replaced by one which was meant to be better, obviously, but do you think moving discretion and moving local managers caused a gap between the manager and the people who were doing the borrowing?