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

Let us say it is €80 million, which is probably an underestimate. Is Mr. Byrne saying that it is a happy coincidence that the bank made a decision not to offer tracker mortgages which had unforeseen and unintended consequences in the form of a benefit to the bank of between €80 million and €100 million? Is the windfall purely a happy coincidence for the bank?