Martin Mansergh (Tipperary South, Fianna Fail)

I do not propose to accept the amendments. With regard to Senator Twomey's remarks, it is, of course, the function and duty of the Opposition to put the other point of view. However, I always pay particular attention when the Opposition, when saying what the Government should be doing, states that if it were in government it would do it. Very often, however, one does not hear that.

Some of my remarks on fixed mortgages might also relate to the pay issue. Incidentally, the Government is not waiting for the report; it has the report and will take decisions on it. There is no significant delaying mechanism.