Ms Mary Harney:

Well, certainly I wasn't aware, and I don't believe the wider Government was aware, of the resources that were being allocated. Maybe it's ... I mean, we're all talking here about eight years on and hindsight and looking back at mistakes and trying to reflect and agonise about are there things we should have seen and done differently. Certainly, if I was to say that having established a new regulatory environment, perhaps we should have looked for ongoing reports from that regulator.