Ciarán Lynch (Cork South Central, Labour) | Oireachtas source

Thank you very much. I'll just deal with a couple of matters and then I'll bring in the other questioners, Governor. Governor, I just want to look at the 2009 period when you came in and what measures were maybe brought in to tighten up the system or to toughen up the regulatory regime. And if I could ask you, what changes did you implement in 2009 to ensure the appropriate supervisory or enforcement action was taken against the banks for breach in regulations?