Mairéad Farrell (Galway West, Sinn Fein) | Oireachtas source

We would hope that is a situation where nobody falls under this circumstance and Ms Howard is correct to use the committee to put out that plea to people to engage. If there is a situation, as Ms Howard is saying, by next year, does she know when next year? Will it be a full 12 months from when the bank is fully closed? Will it be before that? What form would the sell-off of non-performing loans take?