Joe Higgins (Dublin West, Socialist Party) | Oireachtas source

And, Mr. O'Reilly, you did ... in page 3 of your written statement to us you mentioned the principle-based regime, and financial institutions committing fully to a culture of integrity, and that the main method of asserting influence over the banks was moral suasion. And Senator O'Keeffe raised and pressed you on this already. But, in view of the shocking banking scandals, whereas ... where, in the public domain, it is known that and proved that some ... some banks were found blatantly cheating taxpayers, why did you have some confidence that they now were going to be paragons of integrity? All of them.