Michael McGrath (Cork South Central, Fianna Fail)
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You referred earlier to the NTMA's view that there was a need for what you called a "deep dive" into the banks to examine their underlying health and that happened first in September 2008 when PwC were appointed but when did the NTMA first start saying this, first start asking or suggesting that, look, we need to go in here and do a due diligence on the banks to see-----