Kieran O'Donnell (Limerick City, Fine Gael) | Oireachtas source

And how do you reconcile that with the view amongst many of the general public that banks will revert to being banks and that, effectively, that people got into large mortgage arrears, with mortgages in some cases they feel they should probably have not been extended by the bank? How do you get to that point where people will have faith in the way banks operate, when banks are now beginning to recover, into the future?