Ciarán Lynch (Cork South Central, Labour)
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And if I could pose a question, and it goes back to earlier testimony that we had from Professor William Black, who spoke about the difference between banks and bankers, in that it's bankers ultimately make decisions, not banks, as in bricks and mortar. And Professor Lane's testimony as well where he raised this sum initially. And the proposition, I think, that was put forward by Professor Lane at that time is, we need to consider to move the fines onto the bankers and away from the banks. As long as the bank is actually absorbing the fine it's just put in as part of the profit and loss margin, but the actual ... the people who are making the decisions are not affected by it. Would you have any consideration with regard to that proposition?