Mr. Padraic Kissane:

As I said in the report, the banks have absolutely used our Irishness against us.

It would probably be wrong to leave it at that. I would rather that we challenge the banks in the correct manner. Why get as dirty as they did? It would be to ask people to change their fabric. It should be within our collective powers and authority to bring the banks to task. The consumer protection code does not include the phrase "consumer protection" for any other reason but to protect consumers.