Sean Barrett (Independent) | Oireachtas source

You have the advantage, mine hasn't appeared yet, never mind. "BOI's issues have revolved around:-

[1] the absolute quantum of property lending on its balance sheet;

[2] the greater dependence on wholesale markets rather than deposit gathering;

[3] the structural defects in financing of mortgage markets leading to greater reliance on securitisation;

[4] ... [is] ... entering ... some business lines [where it didn't have expertise];

[and then the fifth one] increased dependence on funds based income.

Did you see, in your terms as governor, these problems developing which the bank is now trying to correct?