Mr. Padraic Kissane:

That is a subject for somebody else to address. My only desire from the outset was to get my customers back onto tracker mortgages. The broader issues, while I am aware of them, are not for me to address. It would not have served my purpose to use terms like fraud or illegality about what occurred. In 2009, when I started, my only intention was to get everyone that to which they were legally entitled. The matters that the Deputy raises are relevant, of course, but they are relevant to a separate body. My focus was on the customers, which is why I am here today. Certainly, it has been mentioned to me but it would take some time to bring these matters to court which would only delay things for customers, most of whom cannot afford to wait any longer.