Mr. Lorcan O'Connor:

As I stated earlier, particularly in our set-up phase I identified that it was important for the Insolvency Service of Ireland, ISI, to keep close to all stakeholders, not just the Irish Banking Federation, IBF, creditors and banks but also credit unions, the Money Advice and Budgeting Service, MABS, but also the Department of Finance, the Central Bank and others. We are doing our best to keep close to all those organisations that have a role in dealing with what is a very large problem in terms of personal debt. The ISI is just one element of what it is hoped will be a comprehensive solution.