Ciarán Lynch (Cork South Central, Labour)
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Yes, but they will be back next week. That is the elephant in the room. Given that the legislation is coming down the tracks, why are the banks engaging in an ongoing issue of forbearance, particularly forbearance in circumstances where it is not doing the householder any good? We should put those questions to the representatives of the banks when they appear before the committee. As the Minister needs to leave by 3.45 p.m., I ask Deputy Michael McGrath to conclude his questions at which point I will call Deputy Donnelly. Has the Deputy concluded?