John Curran (Dublin Mid West, Fianna Fail) | Oireachtas source

Yes. I have one further question. This is a small point but it is interesting. I refer to subhead A40, the grant to the Citizens Information Board, CIB, which made a small saving. Despite the rationalisation, the budget year-on-year for 2018 versus 2017 is still up a couple of million euro. Are there any efficiencies to be generated given that the Minister is no longer servicing 90 or so boards? However, the savings are in areas where we might have expected to see pressure for increased spending. There was an underspend of €400,000 on the mortgage arrears services being provided by the Money Advice & Budgeting Service, MABS. Another €100,000 was saved on Abhaile staff. The figures are not significant, but at a time people are having difficulties in this area, I am concerned whether those organisations have evolved quickly enough to meet the existing demand.