Ms Mary O'Dea:

Well I think, as you said, I was consumer director and my role was set out in law, broadly speaking, to provide informations to consumers. I believe I acted as a strong advocate for consumers during that time and provided appropriate information to them, specifically in relation to credit issues as well, and also to set out codes and enforce those codes and again, I believe that I did that. I think you'll see in the Mazars report it suggested that the consumer information could be seen as best in class. However, I do believe that the actions of the regulator and Central Bank were not adequate to prevent what ultimately happened and I regret that.