Richard Boyd Barrett (Dún Laoghaire, People Before Profit Alliance)
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I apologise for being late. There was some confusion in my office about what was going on this morning.

Representatives of Permanent TSB were in here yesterday and spoke about the successful arrangements they have come to with people in mortgage arrears. However, they said there were still a lot of people with outstanding arrears with whom they had not made arrangements. My fear - and they seemed to indicate that there might be some basis for it - is that as we do deals with some people, we are likely to see a significant increase in repossessions for others. That is because we are probably dealing with a cohort that will have much more difficulty in coming to arrangements. How do things stand in that regard with Ulster Bank?