I share the concerns of other Senators about the Central Bank's report on mortgage lending and the lending institutions in question not behaving as they should. I am also concerned at banks involving people in needless paper work and causing unnecessary delays where loans sanctioned for very necessary developments to get the economy moving again and provide more jobs are being thwarted by the banks.

We will have more about that on another day.

I join Senator Aideen Hayden in congratulating and sending our good wishes to Eugene Regan who is a man of outstanding ability, as we know, and one of the great senior counsels of our time. He is a former Member of this House who served with great distinction. It behoves us to wish him well. He will be an outstanding member of the European Court of Justice.