Kevin Humphreys (Dublin South East, Labour) | Oireachtas source

That was a lovely speech. I am interested on the taxpayers' behalf because they have a 14% stake in the bank and saved the bank from the results of reckless lending so let us come back to the customer. The customer has gone through the procedures and there is an independent recommendation that there should be a write down on the mortgage where the bank still receives some payment. The bank's policy is to say that there is no write off yet it would probably get a better return if it accepted the recommendation.