John McGuinness (Carlow-Kilkenny, Fianna Fail) | Oireachtas source

That is fine. On the general question of the tracker mortgages, where does Mr. Deering see the state of play? Some people have been paid. Commitments have been given by all of the banks. What about the ones that have been reluctant to deal with Mr. Deering or the ones where reluctance has been found on the other side? Is there a change in attitude in the banks? Is it obviously changing or is Mr. Deering still having to deal with banks that are caught in that culture in which they just will not admit that they are wrong?