Mr. Niall Cody:

I would not necessarily say that is the case over our history. There were various periods. In 2022, when the debt warehouse ceased, we would have recommenced enforcement action and there would have been a bit of pent-up demand at various stages. We were chatting ourselves about what the process is and what we do next. There were 55,000 cases in the warehouse six weeks ago and we were looking at what might be left. If there had not been the level of engagement, we were asking how we would cope and what we would be saying. When we looked at these figures and talked to the team in the Collector General's office, spread over the 19 or 20 debt management teams, these are not mad figures.