Michael Conaghan (Dublin South Central, Labour)
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I have a very general question. Whether one is borrowing or lending, confidence in the economy is a significant consideration. Confidence is an illusive entity or a variable, but in terms of the witnesses' experience and skills in measuring what is currently going on, are there high levels of confidence in the economic recovery? From their work and their contacts with people coming to them, do they sense a strong optimism or confidence in this general recovery that we believe may be under way?