Ms Claire Feeney:

On that point, there is work under way. We are looking at the market process and mortgage arrears resolution process for local authorities at the moment. This is not directly related to what the Deputy is talking about, but it is looking at the area of insolvency as well. This will give clear guidance on that area. There has been a lack of understanding in some ways on the part of the local authorities on the personal insolvency. This is because, I suppose, they do not see themselves as being directly affected by it. However, they are affected by it on the mortgage side and they could be on the rent arrears side. We are doing an education piece at the moment.