Michael McGrath (Cork South Central, Fianna Fail)
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Is there any evidence of a discussion within the bank on the issue or any consideration given to it? Was it identified at the time as being a risk or something that would need to be examined?

AIB was ending the tracker product, but it had thousands of customers who were not on a tracker at the time but who had a contractual entitlement to return to a tracker. Was that issue not even thought of or considered to the extent that Mr. Byrne can look back and-----