Mr. Christopher Lehane:

Deputy Mac Lochlainn also asked whether it is envisaged that people will be restricted to reasonable living expenses until they repay their mortgages at the age of 70 years. That is clearly not the position. Reasonable living expenses provide for a sufficient amount of money but the debtor is under a regime in which he or she is being analysed and checked. We make sure the regime is fair but we do not believe anybody should be subject to the guidelines for reasonable living expenses until they are 70 years old.