Mr. Lorcan O'Connor:

We have been in touch with all the creditors, as I told the Deputy earlier. Equally, I have been in touch with the chief executive of Bank of Ireland in the past, although not since his last appearance. Let us look at the engagement that is taking place to develop the protocol and the general engagement on the new insolvency service, or Mr. Lehane's area of bankruptcy. I think there is positive engagement but, as the Deputy has said, red flags have been raised. The language used and the position articulated at the beginning of this month has highlighted areas for us that we need to pay close attention to, but we need a statistically relevant sample size in order to give people meaningful analysis.