Mr. Niall Cody:

I purposely included the table in my written statement, though I did not read it out. I keep reading about the nearly 60,000 cases. Of them, 44,000 have less than €5,000. You are really talking about a core of 12,000 to 13,000 that have debt over that amount. In fact, it is quite a high figure that have engaged. Businesses have their businesses to run and the deadline only becomes a factor this spring. Last week, the Minister stated that he has asked us to work with his officials. Some of it is just to provide clarity. We are glad to be here today to address this. I refer to what Mr. Howley said about our flexibility. We want to reassure people. We expect that in the next couple of weeks we will be issuing-----