Ms Josephine Feehily:

I will start with the question from Deputy Boyd Barrett. I will follow up on his point. We have engaged heavily with the Citizens' Information Board in the context of this tax.

We met its representatives many times before the earlier campaign and before this one. We will get feedback from them and I will certainly take it on board. We use National Adult Literacy Agency, NALA, for certain communications and I would be happy to include it in future LPT communications exercises that we must carry out. I am not convinced on this one that the letter is the issue, but that is another day’s work.

I thought I had answered Deputy Creed but it is clear I had not. He made the point about the 35% who had made their bank details available. This is our concession. We were very mindful, as I said to other Deputies and Senators, of this span of the year issue. Using our care and management of the Revenue Commissioners' authority, we can make concessions when we are confident we have secured the funds. It is not a matter of bank details. When we have the authority to dip into a person’s bank account on a date chosen by the person between now and March, we will do so. That is what a single debit authority is - a single direct debit, a mandate, or whatever language one wants to use.