Mr. Padraic Kissane:

Mention was made of the fees paid among the agencies handling the debt. In the life assurance and financial services industry, commission disclosure is in statute and must be done for the customer. Here, there is the hidden issue of bonuses. Nobody knows about them and the fees in this area are astronomical. When we add in the main players on the accountancy side, there are more Chinese walls in Ireland than there will ever be in China from what I can see. They are now external and internal and the firm handling all of this is also involved in all aspects of the tracker investigations. Everything is connected.