Mary Butler (Waterford, Fianna Fail)
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I thank the delegates for their remarks. Ms Buckley referred to banking charges. The joint committee is doing quite a body of work on the cost of doing business. We have already decided to hold a meeting in January with the banking federation and the banks as we are hearing a great deal about how difficult it is for some people to access finance and meet the associated costs. We will continue into the new year our work on the cost of doing business. In fairness, everybody is very anxious to see the Public Health (Alcohol) Bill 2015 pass through the Houses and enacted as soon as possible.

I invite Senator Kevin Humphreys to ask questions.