John McGuinness (Carlow-Kilkenny, Fianna Fail) | Oireachtas source

I know that. It was the easiest way for me to refer to the article. I could refer to other things.

The likes of Belfry and EBS have been dragging on from when they started way back up until now and other issues have been raised around the tracker mortgage issue and what happens when banks sell on at an early stage. I refer, for example, to banks selling to vulture funds when mortgage-to-rent solutions are almost in place. Difficult cases are sold now from one vulture find to another, only to repeat the whole financial service statement again and to go through all the motions of getting a contact detail and so on. Does that not tell Mr. Makhlouf that the banks are dysfunctional?