Ms Ann-Marie O'Reilly:

On illegal evictions, unfortunately we are seeing an increase in the numbers. I do not have figures to hand but we are seeing upwards of 150 per year. I have not had a chance to go through the RTB's report in full detail yet but we definitely support its recommendation that it should have more power or capacity to tackle illegal evictions. As matters stand, it is quite limited in what it can do. We are seeing that Friday evenings and weekends are the times when the illegal evictions will occur. If the advisers are working with somebody and they anticipate an illegal eviction will occur, they give them as much advice and guidance as they can to get them through the weekend as regards who they can ring and talk to if something happens. The RTB seems to have got to the nub of what is going on in those instances. Very specific and extraordinary things need to happen because it is an extraordinary situation. I will let Mr. McCafferty speak about the double deficit.