Eoin Ó Broin (Dublin Mid West, Sinn Fein) | Oireachtas source

To be clear, the circular does say three months. Either way, I am on the same page as the Acting Chair on that point.

I have a couple of quick-fire round questions, while we have Mr. Jordan here. I have two queries about the fresh start from insolvency. The first is about people who have exited personal insolvency agreements. For them, does the five-year period or the six-year period apply? I am still confused. If a personal insolvency agreement is in place for five years, one of the eligibility criteria for application, for example, on a range of schemes would be a full exit from the personal insolvency agreement, plus a healthy credit check that would be independently verified? That is the situation, is it not?