In respect of level 3 restrictions and Senator Mullen's remarks about going to church, I go to church on Sunday with my children, who serve at mass. After that, I like to pop down to the local hotel and have my dinner.

When I have eaten, I like to go to Páirc Tailteann to watch a club championship match. When the match is over, I enjoy going to the Paddy Fitzsimons pub for a pint with my friends. I would be doing all of those things this coming Sunday, which is the day of the county hurling final, but I cannot do so because we are being asked not to pit one area of our society, whether it be religious, sporting or otherwise, against another. We are being asked to do so in order to prevent us having to move to level 4 or to a full lockdown under level 5. I pray to God that we can avoid that. God knows it is our responsibility to do so. I am glad the churches are open for private prayer.

The investment in capital infrastructure by the Government will play a key role in our economic recovery. I am glad the Government is putting that front and centre in the budget next week by underpinning existing plans and introducing new ones. The refreshing of the national development plan, NDP, that is due to be announced in the spring next year will provide a platform for economic stimulus and societal gain in many parts of the country. Navan is a major town that really needs such benefits. It is the largest town in the greater Dublin area without rail connectivity to the city centre. The National Transport Authority, NTA, has been talking about initiating a review of rail services since autumn last year, the implementation of which would commence this autumn. The authority has spent a full 12 months talking about a review and now we are told that it will be the summer of 2022 before it is completed. Three years down the track - a phantom track that does not exist - we might have a completed review.

The crux of the matter is that the NTA's review will not be finished by the time the revised NDP is announced next spring, which means that the development of a rail service for Navan could be left off the table altogether. The Minister for Transport, Deputy Eamon Ryan, needs to address this issue now on the basis of the clear facts that are before him. There is a fear that the reduction in traffic movements because of the pandemic will be used, in the context of the review, as a reason not to endorse a rail plan for Navan to the city centre. Such a plan clearly stacks up and is supported by the facts, as the Leader knows from her time on Meath County Council and in Cabinet. We need the Minister to commit to delivering for Navan in accordance with the position he has always taken on public transport. Unlike his predecessor, former Deputy Shane Ross, this Minister knows where Navan is and where Trimgate Street is and he knows the benefit of good public transport. I have written to him today asking him to act in this matter. I ask the Leader to press the case because this is a crucial issue.

I support the Government's decision to move the whole country to level 3 rather than level 5. I want to emphasise that the Tánaiste expressed his complete and absolute confidence in NPHET. We are all very grateful for the work it has done but its role is to advise Government. It is for the Government to take into account the broader considerations that are required in the best interests of the country.

I very much welcome the announcement by the Minister for Justice and Equality, Deputy McEntee, that she is introducing amendments to the personal insolvency legislation to make changes to thresholds of access and means of access. Those changes will provide very significant relief to the people currently faced with dire circumstances. I propose that we avail of this timely opportunity to have a debate in the House on the provisions regarding reasonable expenses that are utilised by the Insolvency Service of Ireland and the Money Advice & Budgeting Service, MABS, in assisting people availing of their services to restructure their debt. Some of the categories into which expenses are organised need review. I appreciate that the provisions were reviewed as recently as 2017 but, since then, some of the categories, such as insurance, have become considerably out of kilter and out of step with actual costs. For instance, there is an allocation of €25.82 per month for car insurance, which would amount to an annual insurance cost of €309. I would really like to meet the driver who is able to obtain a premium at that price and to avail of his or her competence to get a similar price for my own insurance. It is timely to review the reasonable living expenses on a line-by-line basis. It may not be necessary to amend all of them but some of them certainly do need to be updated.