Mr. Lorcan O'Connor:

Yes, we have the capacity, and that is because we have authorised approximately 150 personal insolvency practitioners around the country. Some of those are local operators and others are national operators. There is ample capacity in the system and likewise in the Courts Service where there are specialist judges availing of this.

Finally, in terms of suggestions around legislative change, from a policy perspective - to repeat the point I just made - I think we already go beyond what is in existence in other common law jurisdictions. The ISI would not have any fundamental policy changes in mind. We do have a function to contribute to the development of insolvency policy, but we have listed a number of operational tweaks or changes that could be made to the legislation that would make the operation that bit smoother. Those suggestions are with the Department of Justice and Equality and it is considering them now. In terms of communications, we would be supportive of a general enhancement of an information campaign to ensure debtors are aware of the solutions that exist.