Rose Conway Walsh (Sinn Fein) | Oireachtas source

I appreciate that. We are all on the same page about that because I am trying to do the same thing. Pepper's statement was that it looks at the person, not just the paperwork, which is good on the face of it. I want to reconcile that with Pepper's failure to pass on a single cent in rate cuts for variable rate mortgages over a five year period. Reconcile those two matters for me. European Central Bank, ECB, rates were cut, yet Pepper did not pass on any of that to the mortgage holders.