Pearse Doherty (Donegal South West, Sinn Fein)
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Go raibh maith agat, a Chathaoirligh. Fáilte romhat, Ms O'Dea. Can I first ask you during your period as acting CEO of the Financial Regulator you'd initiated a number of changes to increase the intensity of banking supervision. Can you describe to the committee some of the key changes you made during that period?