Pearse Doherty (Donegal, Sinn Fein) | Oireachtas source

That is what it states. It makes it clear that a suite of options are included. Those include the offer of a payment holiday, partial repayments, currency conversion, partial forgiveness and debt consolidation. One of the problems in this State is that certain providers use some of those measures but none use them all. This hard law now states that a reasonable offer is not a reasonable offer if the lender has not looked at partial forgiveness. Is that Mr. Honohan's interpretation?