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

That is fair enough. I do not have time to drill into that further, but it still seems to me to be a significant gap. One could be forgiven for thinking there is a profiteering element to it, but we will look into that further at some future date.

I wish to go back to the issue of arrears, if I may. Quite a high proportion of arrears solutions in banks have been in the area of arrears capitalisation. I have heard a few complaints from people who said they were being put under huge pressure to opt for arrears capitalisation when it did not really make any sense for them to do so. While the individuals would no longer be in arrears, the repayments would be even higher. Given that they had difficulty repaying lower amounts, the prospect of their being able to pay a larger amount on capitalised arrears seems crazy, but they are being put under pressure by financial institutions. I am not referring specifically to Permanent TSB here. Does Mr. Masding have any comment to make on that issue?