Mr. Thomas Ryan:

It is absolutely appalling. It is appalling that the banks have destroyed lives all over this country. People are no longer with us over this. They have committed suicide. The banks does not particularly give a damn. I have heard some of the submissions here in the last few weeks from some of the banks. It is an absolute disgrace the generic, legalistic garbage they are churning out. There are no real people involved. It is appalling and an absolute disgrace. There are no other words for it. As Mr. Kissane said, it is too little, too late. Action should be enforced on them. They should be made to change and do it right. It is higgledy-piggledy. The redress scheme that is in place is a joke. That is my summation of it.