Mr. Justice John Hedigan:

This issue falls under the various working groups we are running. We do not have a group that is dealing specifically with tracker mortgages, but I hear what the Deputy is saying and there may well be a way by which we might perhaps bring more pressure to bear in that regard. That is what the banks are there for. That is what I want them there for, in order that the non-banking people can bring pressure to bear on the banks to come up with solutions and explain them to us and in order that our board members can say it will or will not work or suggest a better way. We may be able to focus more on this issue. It is part of the reason we were very keen to come here because I understand the parliamentarians in our democratic system are probably closer to the people than in any other democracy of which I am aware. Therefore, at the coalface they hear a lot more than we do. I am grateful for the Deputy's comments in that regard.