Mary Lou McDonald (Dublin Central, Sinn Fein) | Oireachtas source

I wonder whether the Central Bank has factored into its analysis of this scenario the fact that some people are almost intimidated by banking institutions. In many instances, people are asked to engage despite having very limited, if any, financial or legal advice or support. The Central Bank does not have exact figures, although the Governor has stated that it has drilled into the scenario to establish the phenomenon of non-engagement.

The position of the distressed person facing an institution - institutions that have a track record of absolute arrogance against power regulatory authorities in this State - should also be factored in.

I could take the witness up on a comment he made earlier, when he talked about people going down the so-called loss of ownership route. I do not know what that is. I presume the so-called loss of ownership route is where there is a threat of one's house being taken from one. It is not in the witness's script, but he said it earlier. What is a so-called loss of ownership route?