Mr. David Hall:

No, not at all. I do not trust banks and vulture funds. They have spun a great spin. They have presented to an Oireachtas committee and spoken in generalities so that the people to whom Mr. Burgess referred are demonised. People in this House and others who have engaged with people in difficulty with their mortgages understand the multiple complexities that are involved, including vulnerability, marriage breakdown, health issues and so forth.

I spoke to Senator Conway-Walsh earlier and mixed up two comments regarding people with dementia and vulnerability. We have a massive cohort of people who are vulnerable. At no stage does the MARP process allow for vulnerability to be assessed with regard to circumstances. Separated borrowers represent probably one of the top five challenges that exist within the State with regard to doing thing. I do not trust the banks' data and I do not trust the bank going to court and just miraculously popping up and saying "Sorry". It is a production line.