Michael D'Arcy (Fine Gael)
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First time I've ever been called "McD'Arcy". Thank you, Chairman, Mr. McCarthy. Thank you for coming in. In terms of the Government guarantee ... and you're out of banking now for a number of years and you've the benefit of hindsight and the benefit of where we've come from to where we are today, Mr. McCarthy. Do you think the bank guarantee was a good idea?