Professor Patrick Honohan:

So, the IMF reports sometimes are about the economy at large and so on and so forth and sometimes they provide useful information and they assemble the information in a very orderly way and sometimes I do learn a bit from them - "Oh, I see, yes. No, that's a good point, I hadn't seen a note in that way." So I think they are valuable. They ... we then have the particular reviews of regulatory practice, which were done sector by sector. We had the banking one. I think that's included in the documents that were provided, so it's, obviously, one of interest. We didn't ... and I mentioned that there were four things they wanted us to fix. We didn't agree with two of them, but we're doing them anyway. And maybe we didn't agree with three of them but, you know, they're serious people. It's ... you don't ... there's room for professional disagreement on a number of things and we know in the past they didn't catch everything in Ireland - far from it in 2006 - but that doesn't mean we shouldn't listen to them.