Senators Bacik and MacSharry called for a debate on housing, specifically on the report of the interdepartmental mortgage arrears working group. The Government is committed to assisting families facing difficulties with their mortgages. We all understand the difficulties the problem poses for many people and we are committed to helping in any realistic way we can. The Minister for Finance will publish the interdepartmental group's report on mortgage arrears tomorrow morning. The Government has given a commitment to hold a Dáil debate on the report as soon as possible and I will arrange a similar debate in this House. It is important that the Government hears the views of all parties on this important issue. All sensible proposals will be taken on board and acted on as expeditiously as possible, as every Senator would want.