Mr. Frank Daly:

I can assure the Deputy we work with debtors either on a consensual basis or by putting them into receivership, which is enforcement. Once they go into enforcement other parties become involved. Those with whom we work consensually amount to approximately two thirds of our debtors, which is a much brighter prospect than we would have thought several years ago. We are very forensic with regard to the overheads they can remove from a business. In some cases these have been reduced by 75% or 50% of what they were in the good years, if I can call them that. These are the normal overheads of a business such as paying staff, insurance and electricity costs. We monitor very closely what they remove from the business for their own lifestyle. We all have various definitions of lifestyle but we certainly do not sanction anybody having a personal driver or personal security. That said, neither can we get into the day-to-day business of monitoring every penny some of these people spend.