Ms Mary O'Dea:

Well, I don't know if it was fair or reasonable but it was a fact. That was one of the issues that I had to deal with. I think the issue was probably around the fact that people felt a huge sense of doubt and questioning.

At the time you'll recall that there was quite a bit of opprobrium, very understandably, against the regulator and the Central Bank, and at a human level that affects people, and when you have to lead the team to stabilise the situation you have to be aware of that.