Irish Banking Inquiry 2016: The publication of a parliamentary report on the banking crash 7 years and 4 months following the decision of Ireland’s government on 30 September 2008 to provide a state guarantee for both the debts of domestic banks and deposits with no upper limits, is a useful contribution for future historians. However it’s easy to be smart after the fact and there is little that can be termed new. The pertinent question is whether the delayed wisdom will result in a departure from the default glacial change in Irish governance systems?