The Leader of the Opposition, Senator Darragh O'Brien, referred to home help workers and the Labour Court's recommendations. I am not sure whether he raised the matter with the Minister for Health yesterday, but I will raise the points he made with the Minister.

Senator Ivana Bacik and a number of other Senators referred to the requirement for a 20% deposit for mortgages. Senator Paul Coghlan referred to the cap of three and half times a person's salary for mortgages, which he deemed to be very prohibitive for first-time buyers, in particular. I agree with these remarks. The Central Bank of Ireland has invited submissions, which I am sure many people have made. I am also sure the bank will report quite soon on the submissions made. However, I hope special provisions will be made for first-time buyers as distinct from buy-to-rent purchasers.

Senator Ivana Bacik called for a debate on the dementia strategy, which we will try to arrange. She also called for a debate on equality in third level education.

Senator Jillian van Turnhout acknowledged the Government support announced for Childline and called for a debate on the concluding observations of the UN Human Rights Commission. We will try to arrange a debate on the matter with the Minister for Justice and Equality.

Senator David Norris welcomed the fact that the wording of the referendum on same-sex marriage had been agreed. He also welcomed the Government's proposals on adoption and human rights. I am sure that when the Gender Recognition Bill is discussed today, the Government will listen and, I hope, accept any worthy amendment tabled by Members. I expect that to be the position. It is fitting that the Bill is being taken in this House and I note the Senator's point in that regard.

Senators Hildegarde Naughton, Michael Mullins and Fidelma Healy Eames welcomed the new job announcements in Galway in Zimmer and Acorn Life. Senator Hildegarde Naughton also welcomed the significant funding for the Irish National Theatre Company in Galway which was announced by the Minister of State, Deputy Joe McHugh, over the weekend.

Senator Labhrás Ó Murchú referred to the case of Mr. Harry Gleeson, from more than 70 years ago, and the suggestion that a pardon be granted soon. I will contact the Minister for Justice and Equality and if the announcement can be made in this House, I am sure she will accede to that request.

Senators Denis Landy, Aideen Hayden and John Kelly, among other Senators, referred to changes in bank charges and the cost to consumers. It shows the need for competition in the banking sector because while the charges are different, some have suggested there is a cartel in place. I am one of the old-fashioned people who still likes to do business at the counter in the bank, but it is becoming increasingly difficult to do so. Every time I go into the bank I am reminded that there is Internet banking and of how good it is, but I am resisting it.