Kieran O'Donnell (Limerick City, Fine Gael)
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I want to ask why these changed, and they are specifically around the banks, "...while some features of the deposit insurance scheme should be reconsidered and a special swift procedure for closing failed banks should be enacted". That is completely deleted from the final report in page 26 and equally, Chairman, page 12 deals with a section then where it speaks around in the context, sorry, it says:

Payouts from the bank deposit insurance scheme should be available more rapidly and the scheme better funded to reduce liquidity concerns in case a bank comes under pressure. Enacting an insolvency process specifically adapted to banks should also be considered.

That's on page 30 of the final report.