Aodhán Ó Ríordáin (Dublin North Central, Labour) | Oireachtas source

The reason I am saying this is because when people start throwing out terminology such as "strategic defaulters", what forms in somebody's mind is an image of somebody who has a broad portfolio, is merely playing the system, is trying to out-fox the bank and is not playing ball whereas what we possibly have is somebody who is terrified of hearing the telephone ring.