Mr. Pádraig Ó Ríordáin:

I will address two points. The Senator has put her finger directly on the problem. It is very difficult in advance to recognise when a problem is happening. We are very well equipped to do this and we have become very sophisticated at doing it because we have online data for people. We have very sophisticated algorithms with more than 200 indicators that will show us the issue. We do not know if it will necessarily always be right. I would love to invite the committee to Clonskeagh to show it exactly what we do in this area in terms of early identification and intervention. We really want a properly resourced regulator, as mentioned by Ms Byrne, which does Irish research for Irish people so we can all agree on what it is we are trying to prevent, when we prevent it, when we step in and how we do that.