Mr. Padraic Kissane:

I have no idea. I have two affected people here today who were impacted severely. I do not get it. I had a row on the phone yesterday with Permanent TSB. It is astonishing. I have had oral hearings with the panel and discussions with it on the margin issue. Of the three people there, one is independent of Permanent TSB while on the panel but works for Permanent TSB. I ask the committee members to take their own views on my percentages. There is more that I could say but I would rather not.