Ciarán Lynch (Cork South Central, Labour) | Oireachtas source

Thank you very much. I just wish to wrap up with you, Mr. Murphy, please. And maybe a lot of discussion this afternoon was with regard to the past and the, sort of, corrections that were required and so forth. A part of the work of this inquiry is also to look to the future in terms of making recommendations so we don't revisit the errors of the past and the difficulties that come with them and maybe if I could draw you into making some final comments in that regard and if you might particularly talk about measures that would result in behavioural change in financial institutions. Earlier testimony here has, kind of, brought two issues to the fore: the separation of banks and bankers as being two different entities, and the concept, or the discussion earlier, that something like €140 billion has been paid in fines by financial institutions post-crisis, which would indicate that there is still behavioural aspects that are of concern.