Gerry Horkan (Fianna Fail) | Oireachtas source

The individual accountability framework is for more senior people, but it trickles down to everybody in the organisation. The individuals who are going to be named and held responsible for various parts of the bank will have staff under them who are either doing the right things or the wrong things and being measured for doing the right things, although historically they were measured and rewarded for doing the wrong things in terms of lending money they should not have been lending. That was before Ms McDonagh's time, but every bank was guilty of lending out more than it should to people who should never have been given those loans. How will she implement that or can she describe that process?