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

-----and during that time, the balance sheets of the banks and property loans were growing at about 30% per annum, consistently across all the major banks, and clearly ... and you had the ECB saying at the time that loans should have gone up by, maybe, up to 4% per annum. So, looking back now, are you ... do you believe that the financial, we’ll say, regularity authority failed in its role? And what would you have done differently?