Ms Ethna Tinney:

The protocol can only come from within the individuals who work in these various things. That is what I meant by saying the banks are of and for themselves. Can I put it like this - and this is the last colourful thing I will give you - it always seemed to me that the management in the bank and the non-executive directors were like cats and dogs. The managers were the cats and the unfortunate non-executive directors were the dogs. Natural enemies but the cats always outsmarted the dogs. You can look at that paradigm for anything whether it's a regulator, a politician, a banker. The fact of the matter is if people want to misbehave there is no way you can stop them - no way - and that is what worries me about the current scenario. The only way you can change what is happening is if there is a change of sentiment and that's why I said earlier on in answer to Deputy Higgins that, yes, I really do have a difficulty with the capitalist system and I have a difficulty with our political system because it depends on ... well, you say funding, yes? So I can't say that I have a methodology for saving the world but I think we all need to think about what is happening, that's all I can say.