Thomas Byrne (Fianna Fail) | Oireachtas source

I agree with much of what Senator Hayden has said, particularly in regard to the case-by-case issue. That is a phrase that should be struck from political and economic language in this country. I heard Sinn Féin also brought this up in the past couple of months as it favoured a case-by-case approach. What it means in practice is a person going in before the bank official and talking about his or her case on a case-by-case basis and being hard done by, instead of having a generalist approach that applies to everybody, which the person can slot into based on his or her own particular circumstances. People would then know exactly what is going on.