Paul Coghlan (Fine Gael)

My apologies. The Leas-Chathaoirleach is right and I subscribe to that view too. It is important to remember that trackers are fine, it is the variable and fixed rates that pose the difficulty. These are older loans and there are fewer of them. The Senator is wrong to say there was a blanket "No". This matter is under constant review. There will be further meetings in January. I am inclined to agree with Senator O'Brien in one respect. The State owns 98% or 99% of Allied Irish Bank but there are only two public interest directors on the boards of AIB and Bank of Ireland.