Chairman:

Four more speakers have indicated and members should be aware it is now 4.15 p.m. but we still are dealing with the first pillar. I would appreciate it were members to stick to questions but if they must diverge, that is fine. However, with the agreement of members we will take the second and third pillars together and the fourth and fifth pillars together to try to get through the process. Many of the questions were answered last week although I acknowledge members also wish to air them in public session. I call on Deputy O'Dowd.