Susan O'Keeffe (Labour) | Oireachtas source

Right, okay. I've one last thing if I may put to you there, please. Mr. Daly, when he was giving information to the Wright report, Frank Daly, and this reference is the review of the Department, the Wright document. He said:

With regard to the Department's response to the crisis, there was quite late engagement. The Department relied on the Financial Regulator and the Central Bank and was let down by them. Given the tools at the Department's disposal, they responded fairly well. They didn't have the information to determine that there was a liquidity and a solvency problem.

What do you say to that?