Sean Barrett (Independent) | Oireachtas source

And in the same volume, there's a very long letter from Yvonne Madden, the Financial Regulator, from pages 37 onwards, which shows, shall we say, a wide range of administrative reforms needed. Just looking at pages 43 to 45, you see items like "no evidence" of what the borrowers did, "not clear" what the purpose, "no evidence", "not clear", "not legible", "not legible". It looks like you inherited a pretty dysfunctional organisation going through that. "Not certified", "not clear", "not reviewed", "not legible", "not independently certified", it just goes on and on through those pages. How did you try to deal with the problems that Ms Madden had drawn to your attention there?