Joe Higgins (Dublin West, Socialist Party) | Oireachtas source

Yes. Alan Ahearne, in evidence told us of a study in 2005 - that he published - about 44 booms and busts internationally in many countries where you operate I've no doubt. So a view could be put that really it should have been seen and it should have been stopped in advance. And just ... my very last question, Chairman, is this. In relation to Allied Irish Banks in particular, you made the point, I think, Mr. Dobey, it was yourself, that it was very difficult to get in accurate information the extent of the exposure, etc., when you were trying to do that ... let me just finish the question because he's going to cut me off here. In your opinion, did the bank's management and board structure ... in Allied Irish Banks, impede the provision of good governance within the bank or what impact did that have, if any?