Mr. Padraic Kissane:

I would like to make a comment at the end of Mr. Ryan's contribution. I refer to a letter from PTSB dated 10 July 2017. A kernel to his case was the missing tape, or the tape that was not made available. The letter said that the bank was not in a position to provide a copy of calls made prior to March 2012 as the system used at that time has been discontinued.