Mr. David Hall:

Mr. Joyce and I organised a fantastic gathering of MABS staff, who travelled from all over the country, the head of the Insolvency Service of Ireland and a dozen of so of the active personal insolvency practitioners in the country to have a conversation about what to do about the hard cases. It would be useful to include some of the contributors to that. We will furnish the committee with the information for that but we had our own conversation, which was held in private. We were not looking to grandstand simply because we all had a shared issue and challenge listening to this rubbish in the background.