Paul Murphy (Dublin South West, Solidarity) | Oireachtas source

Returning to how this happened and in a more specific way than the issue of culture, does the Minister have an opinion about how multiple financial institutions, all at the same time, took the same approach in terms of denying people their rights in respect of tracker mortgages to which they were entitled? Either Governor Lane or his assistant answered to the effect that this was just an issue of the culture being so widespread across the banks that they all jumped at the chance. I thought that stretched credibility and the meaning of culture. Does the Minister have an opinion as to how that happened?