Mr. David Hall:

The Deputy should not underestimate the damage which is caused to families and their mental health by even what they believe to be a successful delay. It is not actually good news. Many celebrate a delay. Many people we deal with do not deal with the annual calendar. The school calendar is their Holy Grail. They seek to get from term to term and have kids in school or college. That is their cycle. They believe in this delaying tactic. In the long term, I am not convinced that it will not have a catastrophic effect on mental health in addition to the normal mental health issues affecting those with debt.