Richard Boyd Barrett (Dún Laoghaire, People Before Profit Alliance) | Oireachtas source

I welcome that and I will certainly take up Mr. Masding's offer. I hope he recognises that this indicates, as others have noted, that there is a problem in not engaging on the part of the banks. There has been much talk this week about strategic defaulters and people not engaging but there is clear evidence of people wanting to engage but not getting the response they should get from the banks. I would like the issue to improve.

The next matter relates to long-term solutions, so I ask about split mortgages. Could this be contrasted with a new product mentioned by Ulster Bank, and will the witnesses comment on a possible comparison? This is the split mortgage versus the economic concession. When many people I deal with hear about split mortgages, they do not like the idea of having to pay one part of the split for 25 years-----