Ms Mary Harney:

Well, one would have to say in hindsight, notwithstanding the changes we made, with the exception of the consumer issues, where I think the new regulator did have a very proactive, hands-on approach to the consumer issues, because prior to that the Central Bank, I think, referred issues around bank charges to the director of consumer affairs - it wasn't an area that they had an interest in - but notwithstanding the changes it's fair to say that I think the culture didn't change.