Ms Cathy Herbert:

Well, I think Brian Lenihan wondered about that right until the end, you know, how ... I mean, he always ... his ... whenever Anglo was mentioned, he said it should never have been allowed to grow to that extent. The exposure to property, I remember him saying the problem was that, in Ireland, there weren't many foreign ... as you have now, there weren't many property people from abroad buying our property, we were all buying our property ourselves. And, you know, that was, you know, I think it was a feature of the credit bubble, of the economic boom that was there, yes. And it was the consequences of it and it was greatly ... something that weighed heavily on him, how did it happen and to make sure that it wouldn't happen again.