John Paul Phelan (Fine Gael)

I agree with the sentiments expressed by Senator Maurice Hayes. Will the Leader seek the explanation sought by Senator Terry for the delay in the implementation of the changes with regard to the qualified adult payment for people affected mainly by the marriage bar? Senators on all sides of the House have received numerous representations from people affected by the issue and would like an explanation.

Another issue I wish to raise is the level of personal indebtedness. Many commentators and consumer watchdogs have raised this relevant issue in advance of Christmas. Will the Leader raise the matter of the continuous issuing by financial institutions of unsolicited loan offerings of up to €10,000 if a person signs on the dotted line? At this time of year, this is a temptation many people cannot avoid. We need some regulation in this area.

In his contribution in the House yesterday, the Minister of State with responsibility for the decentralisation programme, Deputy Parlon, devoted one paragraph to the issue. Three years ago this week, he was very clear on what he said on the issue. He said that if the Government did not deliver on decentralisation within three years, it did not deserve to be re-elected. Clearly, the decentralisation programme is a shambles and has not been delivered within the three-year timeframe promised. It would be appropriate for the Minister of State to come and explain in detail where matters stand.