Government amendment No. 77: In page 78, between lines 33 and 34, to insert the following: ?(5) A debtor shall not be eligible to make a proposal for a Personal Insolvency Arrangement where 25 per cent or more of his or her debts (other than excluded debts) were incurred during the period of 6 months ending on the date on which an application is made under section 89 for a protective certificate.?. Amendment agreed to.