Mr. Lorcan O'Connor:

It very much depends on the circumstances of a particular case. A practitioner might be doing a very good deal for creditors in making a proposal which sees a 5% return to them. Equally, a proposal that offers an 80% return might not be in the best interest of creditors if, were the practitioner doing his or her job, they would be getting more. There is no rule to say it should always be more than 30% or 40%. It very much depends on the circumstances of the case. It is down to the practitioner to look at the balance sheet of the individual and what he or she can supply to creditors through-----