Michael D'Arcy (Fine Gael)
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Could I just ... if you could allow me, Chairman, please, because it was something that we discussed with Mr. Patrick Neary. We keep talking about "principles-based", but people make determinations based upon those principles, and the point was put to Mr. Neary also that the decision of people ... or the decisions that people make in relation to those principles-based model, was that the failure or was it the model? Was it the failure of people's decisions within the model, or was the model wrong?