Mr. Padraic Kissane:

Without a doubt, I would agree. The difficulty is that 1 March arrives and people must pay their mortgage again. We must be careful with it because we are then going at the fabric of the concept that a person borrows money and must pay it back. There are deeper elements to the issue but for the majority of these people, paying a home loan was of fundamental importance because of the shame, embarrassment or isolation caused by losing their home. By putting out that broad expansive issue of the correct rate, one is then also altering what people understand going forward. The difficulty I have with that attitude is there are other people who could take advantage of that situation too.