Mr. Lorcan O'Connor:

One negotiates at a level that is sustainable for the debtor, whatever that might be. However, it would be fair to say that if one has bought the loan at a lower amount, there is more room to do a deal because one is not looking at the amount it was lent out for initially, one is only looking at what one bought it for. My experience in the past was that in those scenarios it is easier to do deals, but it does very much depend on a case-by-case basis. It is not a hard and fast rule.

To return to the other issues relating to communications - it is correct to say that we reference our activities for quarter 1 - it is important that we do get the message out. It is important also that we move up a further level in terms of how we get that message out there, particularly now that we have this new service which is free for debtors. I welcome the fact that the programme for Government contains a commitment to an information campaign. We have ideas and plans in place and were we to receive a budget we would be able to leverage off those to ensure that debtors are aware of them. We do have plans for later in the year-----