Pearse Doherty (Donegal, Sinn Fein)
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Let me play devil's advocate. The EBS has avoided this issue and in spite of the great efforts of the Chair to have someone accountable from the EBS come before us, it has continually avoided coming in and dealing with this issue. We will continue to pursue it.

What would Mr. Kavanagh say, if for example, the EBS was to say it did not force agents to mis-sell the product, that it provided an incentive to sell the product but it was up to the agents to do their due diligence on the customers and they decided to increase their profitability through increasing incentives?