Kieran O'Donnell (Limerick City, Fine Gael) | Oireachtas source

Well, then, finally on the point, do you believe or not that the new financial regulatory structure that was formed when you were in government in 2003 was fundamentally flawed, led to confusion in terms of people's roles and gave rise to the situation where the taxpayer ended up footing €64 billion gross in terms of the bailout of the banks?