Ciarán Lynch (Cork South Central, Labour)
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Before calling the next speaker, I have a couple of questions for Mr. O'Connor. Of the personal insolvency arrangements that have been put in place, can he indicate the number of vetoes that have been instigated against them? Second, to what extent are the unsecured partners in those arrangements, such as credit unions, credit card companies and so on, co-operating? Are they resistant to the process or more compliant than the banks?