John McGuinness (Carlow-Kilkenny, Fianna Fail)
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Thanks. Just to go back to my clumsy introduction earlier, Mr. Madouros and Ms Rowland are very welcome. Both are deputy governors of the Central Bank. I met six representatives of the bank outside, which means the other three are in the Public Gallery. You are all very welcome. Senator Higgins is first, to be followed by Deputy Doherty.