Mr. Padraic Kissane:

The first thing I would probably ask is whether the committee can get the banks to produce any of the minutes of the meetings that occurred in the middle of 2008. Out of those minutes one would immediately identify which customers they targeted. It would be self-explanatory. I am certain that none of that information will be made available. I have said it to the Central Bank that this information should be requested. I do not know whether or not it will come with the investigation. If the meetings did occur, it could paint a terrible picture and an indictment of the treatment by each of the banks and the real story could then begin to unravel. I applaud the level of questioning of the banks and as far as I can see the only uncomfortable time they have is when they come to this committee. I am not certain they have an uncomfortable time in putting it together; they might have to put in something that identifies the deliberate nature of their wrongdoing.