Mr. David Hall:

There is always a concern in regard to split mortgages. This committee dealt with that with those bankers who attended here the last time. The split offered by some of the lenders is horrific. It is simply not workable. Many concerns were raised at the last hearing around that split which still exists. I specifically remember Deputy Donnelly asking Permanent TSB about what happens at the end of the split or the term. This is a question people forgot. Mr. Jeremy Masding said that one would sell one's house. That is not a solution.