Ms Mary O'Dea:

Well I think ... I certainly couldn't do it in that forensic level of detail, but I think one issue that you haven't mentioned that's also extremely important, possibly the most important thing, was the failure to identify the credit bubble as it emerged, and the failure to spot that it wasn't a soft landing. And there I think you have the IMF, the OECD, the ECB, many others in that particular category. And I would add that as something that was extremely important in what happened in Ireland.