Mr. Maurice Crowley:

The Chairman remarked on a couple of things. At one level, as the Chairman said, given our role as a trade association we are not, at the end of the day, the keeper of our members.

I will not comment on the cases or individual points that the Deputy raises because those are for individual banks to deal with and I am sure they have dealt with that before the committee. I feel that the conversation is drifting away from what we came here to talk about, which is the individual accountability framework and the future framework for accountability, which we very much support, and we have clear support from our members to drive that forward with the Central Bank of Ireland and Department of Finance.