Richard Boyd Barrett (Dún Laoghaire, People Before Profit Alliance) | Oireachtas source

We can all take independent advisers with a pinch of salt at this stage. Is there not a big contradiction between that assertion, which has informed the witnesses' approach to this, and simultaneously trying to claim that a voluntary commitment, with no legal standing, is something from which we and the mortgage holders should take comfort? At one point the witness said he would stake his reputation on it. If they are voluntarily willing to abide by the codes and regulations, why would obliging to them to do so make any difference to what they are willing to pay for the mortgages?