Kieran O'Donnell (Limerick City, Fine Gael) | Oireachtas source

This is a critical point, Chairman. What level were they at in terms of experience? The question really, I suppose, I'm getting at is ... you were dealing with institutions like large institutions that had enormous internal audit set-ups, enormous regularity set-ups and was it David versus Goliath in terms of the supervision going out to effectively regulate and supervise the banks from your viewpoint?