Jim Walsh (Fianna Fail)

I thank the Minister of State for her reply. I am pleased with it. Many people are suffering as a consequence of the financial circumstances in which they have found themselves. Many people have committed suicide. There is a need for urgency in this respect. I welcome the Minister of State's comments in that regard. She did not mention anything about the debt resolution agency. I urge the Government to consider it as a means of ensuring people have allies when they try to reach settlements with banks. People should not be dealt with in a totally impersonal way by banks that do not recognise the difficulties they are in. The discharge after three years should be absolute. There should be no problems with cost hangovers or preferential creditors, including the Revenue Commissioners. I ask the Minister of State to convey to the Minister for Finance the need for determination in this regard, given the circumstances we are in.