Ms Mary Harney:

I wouldn't get too hung up on the social events, Deputy, I'm more concerned about what people do. If they do their job, who they socialise with is not ... of no interest to me. But I do think we need a regulatory environment that's robust, that protects the consumer and protects the banking system. And I think we were all quite alarmed with what came out subsequently. Some reckless lending, which none of us, in our wildest dreams, could have imagined.