Pearse Doherty (Donegal, Sinn Fein) | Oireachtas source

I understand. I think the timeframe was to have legislation next year and be operational two years after that. Obviously, the ECB is trying to keep up with what is happening with other currencies and what Facebook is doing, as well as trying to be relevant to where people are at.

The issue of those in arrears was referenced in the context of retail banking. I will not focus on that. Other members have touched on it.

What concern, if any, do our guests have in respect of what is happening in the construction sector currently? I refer to companies being locked-in to prices they now believe are unaffordable. We have seen the impact of that in terms of Roadbridge. It has been suggested that other companies may follow. Is the Central Bank monitoring this issue? Is it bigger than just one company or is there nothing to be concerned about in that regard?