Caoimhghín Ó Caoláin (Cavan-Monaghan, Sinn Fein) | Oireachtas source

For my own part, I will ask the always difficult question of measuring the word "sufficient". In the witnesses' opinions, would there be sufficient protections going forward for creditors to be able to challenge second chance or restructuring arrangements? Will there be sufficient protection? Is there a diminution in relation to the current level of protections for creditors' interests? For fear we may not ask all the right questions before we conclude this opportunity, I would like all the witnesses to share, in so far as they are comfortable, if there are any other concerns that our questions might not have shone a light on or elicited a response to. Are there other concerns that the witnesses themselves have that they would like to share with the committee? We would certainly welcome that. Proceed in any order that you choose, please.