Arthur Spring (Kerry North-West Limerick, Labour) | Oireachtas source

To that end, in relation to the market value of the bank, the market value will be determined by the loans that exist, particularly the mortgage loans that exist. Built into the loans that have been given for 30, 35 and 40 years is a margin and the margin will be disposable income of my generation more than, with all due respect, the generation of Dr. Somers. I am not of the belief that any bank should be in a position to capitalise on what I consider to be negligent lending to a generation. I am of the belief that there should be a moratorium on margin-making gains for the banks until a point in time that the generation has caught up with the natural progression of society. If that were implemented under the watch of the witnesses in the bank, the value of the bank would be less, but it would ultimately mean society would be able to kick start the economy. That is a fairer solution to it. People are looking for justice.