I welcome moves by the Minister for Finance to deal with bankers' pay. Bank officials are essentially public sector workers and it is only right that their pay should be reduced. It is not the big headline pay we should be thinking of but there are numerous bankers on €100,000 plus who can easily take a hit in their wages. No loss making business could possibly justify such huge remuneration for staff. Sometimes the part played by banks in the crash is forgotten. Although it is way too late to talk about it, it is a real pity that reckless lending is not a criminal offence because many of these bankers should be in jail. We could consider making reckless lending a criminal offence in legislation.

Or remuneration of bankers.

Unfortunately, they are not lending.

I congratulate Senator Feargal Quinn on publishing his book, Mind Your Own Business, and support his call for a debate on retailers in small towns who have been so badly let down by the planning authorities in recent years.

We have a responsibility because of that careless planning that allowed multinationals in on the outskirts of towns which, essentially, wipes out all business in small towns. The effect has been catastrophic to small towns. It is a debate that we need to have in this House. As a Government, we need to have a strategy in this area because our planning was so much at fault in this regard.