Mistakes by Permanent TSB that led to the overcharging of its customers and the repossession of some of those customer's houses has hit the majority state-owned bank's reputation this week. Arthur Beesley is joined by Finance Correspondent Ciarán Hancock and David Hall of the Irish Mortgage Holders Association to look at how the errors came about, what they mean for those affected and the bank's controversial announcement yesterday. In part two: smartphones are now ubiquitous pieces of kit. But we don't know much about what materials go into them, or the trouble that getting the stuff is causing in the developing world. Derek Scally calls from Berlin to tell Arthur about a new kind of phone whose makers aim to reduce the harm caused by the smartphone industry, and make tougher, longer-lasting phones while they're at it. But are the phones any good?