I salute Mr. Jimmy Walsh and, please God, we will have a suitable occasion next week to mark his retirement and pay tribute to him.

I acknowledge the efforts of everyone involved in the serious mortgage arrears crisis. A range of options are available. The banks have not properly or fully acknowledged their contribution to this mess. As a last resort, they must be prepared to act as landlord and allow families to continue living in the home as tenants. There is no question of repossession. That can be arranged.

I am also concerned about the banks' dealings with business. They are appointing trigger-happy receivers without any notice. I referred to this point briefly yesterday when discussing the Finance Bill. The receivers are going into businesses without any prior notice. This adds to the distress of the situation. It is unforgivable where the business has a proper business plan and has proved itself to be profitable despite its debts to the financial institution. I am proposing a break point and for Credit Review Office involvement through a mandatory referral. The idea of businesses being taken by surprise with the appointment of receivers is scandalous. We are out to protect jobs but they are being put at risk because of this practice. Perhaps the Leader can fit in a debate in early course after Easter on involving the Credit Review Office through a mandatory referral on the appointment of any receiver. I am thinking primarily of the SME sector.