Marc MacSharry (Fianna Fail) | Oireachtas source

Maybe your committee in the '90s was over-successful because the evidence we've been getting was that the focus of the regulator and the Central Bank was only on the consumer side and nothing on the macro-prudential side. Just, then, the same question ... just ... to follow on to the next question rather, what we’ve had - without prejudice to the various witnesses we've had - from the regulator and the Central Bank ... a number have said they had difficulty in getting their case across to senior management or, indeed, the board in one instance where the senior economist was saying that. Are you happy there are procedures in place now that if there are contrarians - and you yourself highlighted that the contrarian view isn’t always welcome - are there adequate provisions now and measures and a structure which welcomes that and ensures that, however junior and, particularly, however senior somebody with a contrarian view ... that that will reach not only the Governor and the seniority within the bank and the regulator but also your own office?