Mr. Jackie Conboy:

I thank the Deputy. With regard to what it is like on the ground, there are a lot of very worried people out there. Over the last while, they have had to sell equipment to pay bills because the moratoriums are gone. They have to deal with the banks in respect of mortgages and loans and so are now selling equipment. The fact that there is so much stuff on sale means that even the equipment they are selling is not worth as much as it should be. That is creating its own problems. From July, the rate paid to people who earned less than €200 a week before the pandemic will drop to the level of the jobseeker's payments. There is no protection for them whereas there are certain protections for those on the pandemic unemployment payment. The mental stress out there is unbelievable. The number of phone calls we are dealing with every day is hard to believe. Before Christmas, we were dealing with Lions Clubs and organisations like it to get vouchers out to people so that they could have a Christmas dinner or buy kids presents. That is the reality. Perhaps Mr. McGranaghan would like to take the second question.