Professor Patrick Honohan:

Contrarians, yes. Well, I mean, this is back largely to the question ... first of all, we have internal whistleblowing procedures as well as external whistleblowing procedures, so if somebody in the organisation is not getting a hearing, which can be slightly different, it can be administrative things as well as policy things, and that stuff comes through. But there's also a culture of things as well. As I described, I tried to create an atmosphere where challenge is not only tolerated but encouraged and that people know if they speak up with an idea, they're not going to be squashed down. So, it's a constant battle to do that.