Pearse Doherty (Donegal, Sinn Fein) | Oireachtas source

The bank was able to make an estimate at that point, even though the standards still stated that it had to be a reliable estimate. Despite the fact that the bank is a year further into its investigation and supposed to conclude phase 2 within a couple of days, the bank now has less information and less reliability in its estimates than it had a year ago. How does the witness square that circle?