Mr. Tom McDonnell:

Borrowings are taken into account in the context of ability to pay. Where a person's housing and child care costs exceed a particular amount, in terms of the housing costs being associated with mortgage borrowings, this would have to be taken into account in the context of the deferral system. This is set out in our submission to the interdepartmental group. Broadly speaking, this is the only sustainable system that can be maintained. On the issue of people losing properties and so on, that arguably requires a different set of policies, which are not fiscal policies.

It has more to do with personal insolvency and other areas.