John Paul Phelan (Carlow-Kilkenny, Fine Gael) | Oireachtas source

Thank you, Chairman. And good afternoon, Ms Harney and Mr. Gormley. I'd ask you to be as brief as you can, we only have 15 ... or I only have 15 minutes. Maybe to start with Ms Harney first in relation to the last point you made with regard to regulation. Outside of the issue of resources, which you referenced, you've detailed how you had a role in the establishment of the new regulatory system. With the benefit of hindsight, are there other structural changes that you would do differently now if you had that time back again?