I ask the Deputy Leader to arrange a serious debate after Easter on the roll-out of the personal insolvency legislation and the ramifications of the targets set for homeowners. I have closely examined the legislation and there is a real danger that the Government may have inadvertently given the banks too much authority. Ironically, the remarks made by the Minister for Transport, Tourism and Sport may have done us all a favour. He shone a light on the over dictatorial and over authoritarian approach to families adopted by the banks. Women and families are well able to do their maths. We do not need the banks telling us what to prioritise. We all know that the family home is sacrosanct. However, it is unwise for banks to now have the authority to set limits on the amount of money that we should spend on food and on health cover. Of course, banks can give us guidelines and recommendations but we must watch where power lies. Let us not forget that a short time ago it was these same banks that all of the citizens of the State, which includes the homeowners who are now in trouble, had to bail out. I want the Minister for Justice and Equality to come here to hear the reality of how the mortgage arrears situation works. I have said in the House and to the Minister for Social Protection that they have directed people to travel to the North of Ireland to receive dental care. They have also told families of five that €200 per week is too much to spend on food. We must examine priorities. People must eat.

Does the Senator have a question for the Deputy Leader?

My question was given. The Minister for Justice and Equality and perhaps the Minister for Finance must examine the ramifications of the targets that were given to banks. If the targets hit homeowners in a way that we cannot manage then the whole of society is at risk. They could result in a collapse.