Mr. Lorcan O'Connor:

Not in terms of sections 64 and 98. There has been constructive engagement with the banks and all stakeholders on a number of fronts. For example, I could point to the development of protocols dealing with the small print that one would append to any arrangement. It took a great deal of effort to get that over the line, but it was done in record time and with the support of banks and other parties. I could point to other areas of co-operation. However, it is disappointing that the central element that is required for the overall process to work efficiently is not being availed of.