Sean Barrett (Independent)
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I again welcome our visitors. Let us look at the document which states:

There were problems of credit quality, sustainable lending practices and adequacy of internal procedures ... Auditors, therefore, did not feel that commenting on the implications of such business model problems fell within their proper remit.

Do we have better auditing of Irish banks than when Mr. Nyberg wrote this comment? Does Bank of Ireland have the same auditor? Is he or she performing better than he or she was then?