The stress people are under is not properly understood. For this reason, I was pleased to note the Governor of the Central Bank, Professor Patrick Honohan, intends to switch his energies to focusing on mortgage arrears. What percentage of decisions taken as part of the mortgage arrears resolution process is going to arrears? In my view, the MARP is an unacceptable delaying tactic that is placing people under stress. If Senators stick together on this issue, we will make a difference.