Mr. David Hall:

The Central Bank should allow the banks to do radical restructuring with regard to splits and compel and allow debt for equity swaps to enable the banks to protect their customers and leave them and their families in their homes. The banks should be radical and not prescriptive, as they have been until now, and retain ownership and control of the properties, while allowing people to stay in their homes amid a housing and homelessness crisis such as the State has never seen before. The numbers involved here blow the existing housing and homelessness crisis out of the water.