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

Do you believe that the ... and I want to direct you to page 17, Vol. 1 in the same context, it's the Nyberg report, and it said, it's speaking specifically about Anglo ... he speaks about that "there is little evidence that board directors at the time were active in challenging the bank's approach or its pace of lending growth". How do you react to Mr. Nyberg's comments in that regard? And also it makes reference to the fact that the former CEO, Mr. FitzPatrick, was appointed to the new chair of the board in contravention of generally accepted governance principles at the time. Now you're a, I suppose, an experienced and seasoned holder of ... on boards, both as chair and as a member of the board. So how do you react to Mr. Nyberg's direct criticism of the board of Anglo in terms of its, the way it operated?