Éamon Ó Cuív (Galway West, Fianna Fail) | Oireachtas source

I have no problem with the reserve being the reserve. That is the cushion. However, holding onto the entire amount from day one is wrong. A new formula should be worked out, one in which the reserve is untouchable. That is the rainy day fund. To say that everyone who ever put money into a dormant account will one day walk into a bank is stretching credulity, though.