Mr. Padraic Kissane:

Without a shadow of a doubt the customers did not come first. I do not fully believe they come first even now, but it is a case that they have to. I have said before on record that if I were to say what was the banks' regret it is probably that they got caught. I know it sounds like I am glorifying it, but they probably never expected me to come along to spend the time I did. At present, most weeks we work on this six or seven days and sometimes 18 hours a day, because of the might of what we are up against and the certainty of what I have to do. I cannot be wrong. The one thing I say to every customer is that I absolutely acknowledge and understand the importance of this because it is life changing money for people. It is only €400 or €300, but it is a crucial €400 or €300 to that family. My opening remark to somebody new among the 33,600 who comes to me is to let us assume for today there is one tracker case and not 33,600, because for that person it is crucial.