Some of us who have been Members for a few years, and the Leas-Cheann Comhairle will understand this better than most, sometimes have a gut feeling that proposals will go right and sometimes we have the opposite feeling. I remember speaking in this House on a debate on a proposed change to the structure of the TSB Bank when it was planned to be privatised, floated or sold off. I spoke against that proposal because I had an instinct it was wrong. The TSB Bank at the time gave a great personal small banking service to many households throughout the country. When did that service go? We all know when it went. That is the sad part about progress.

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