John McGuinness (Carlow-Kilkenny, Fianna Fail) | Oireachtas source

I would like Ms Howard to tell me the difference between the culture she found here and the culture she left behind in the UK. The question is about the comparison at senior level, so she can tell me that the dynamics are different here and that the processes often get in the way of good staff, but it was not the staff who caused the tracker mortgage issue. It was something else. Was it a process that caused it, or was it the culture from board level? What has caused the complete distrust of the public in the banking sector?