Mr. Gerry Quinn:

The first point from Deputy Madigan related to whether this should have been in place. Yes, in hindsight, clearly it should have been in place. In the same way, it was not that we ignored an existing policy from the Department because no policy existed. The other thing is that we have to frame it in the timeframe that this was happening. We all know the context in which this was happening, the context of the bank and everything that was going on. In terms of prioritisation and identification, when we are looking back on this, it probably should have been highlighted at an earlier point. These are not things we anticipated, clearly. Certainly, we would not have anticipated this type of contractor case or the other issues arising from someone not taking up a role.