Michael McGrath (Cork South Central, Fianna Fail) | Oireachtas source

Sure. Just can I take you to page 22 of your opening statement, paragraph 90, you say:

It seems clear now that the regulation and supervision of the Irish Banking system and of Anglo and Irish Nationwide in particular, was inadequate and that the operations of those two banks, as the most aggressive lenders in the market undoubtedly affected the way other market participants conducted their business.