Professor Patrick Honohan:

Well, you know, what ... one thing I think I identified in my report was the lack of follow through. So, I think you can find a lot of people ... I noticed that in the organisation, trying to change it, that people will express a view and not ... not expect it to be acted upon because, if you look back over the years, not many things were acted upon. Sometimes when they were acted upon, it didn't work out very well, as in the case of the Irish Trust Bank, going back - "Well, let's not do any of that because it failed in 1974; we don't to have any of that" - so ... so I think maybe when somebody like Tom O'Connell says, "It was obviously a disastrous situation was unfolding", but what was he going to do about it? That's the question, you know, that action ... action is required to solve these problems, not just talk.