I will start by making a brief comment on the proposed amendment to the Order of Business. The debate will be held this afternoon. It is all very fine to pretend we are King Canute but the reality is that to have a legal system where the lender cannot have recourse to the charged asset is nonsense. The Opposition should take into account that we have introduced personal insolvency legislation in this country, which the previous Government did not, to allow people who are in-----

And it privileges the banks too.

-----a situation where their family home will be repossessed to have real options to be able to retain it. I agree with my colleague, Senator Bacik, that it is wrong to put out the charge that there will be hundreds of thousands of repossessions if we introduce the legislation.

I said there will be 71,000.