Come, come now Brendan, were you really very surprised at Ross Maguire's enthusiasm for the Personal Insolvency Bill and that this enthusiasm was shared by FLAC? I wonder how long it will take for New Beginning to apply for roles as Personal Insolvency Practitioners under the new legislation? Perhaps they may re-brand as Re-New-Meration? As for FLAC, were they going to oppose a steady new revenue stream for their legal colleagues? And David, are you surprised at what you kindly describe as the conservative professional approach and/or the media blackout? Just look at the almost complete disappearance of MABS from the media in the last few years. Why has that happened? MABS is by far the biggest group representing distressed borrowers for the last 20 years or so and while your call for a conversation between the groups representing distressed borrowers is laudable, do you really think that MABS would be involved? I see that MABS will be the intermediary for Debt Relief Orders, thereby penning MABS into the €20k or less category. That should wipe out circa 75% of their client base straight away. Who will benefit from this I wonder? Why keep MABS there to benchmark all these new entrants to the Personal Insolvency market? Sure that makes no sense! Haven’t MABS proven over the years that you don’t have to come from one of the “professions” to successfully negotiate with creditors? David, ould stock, you almost got it right with your comment “I was an outsider - as I am not a lawyer - I respect the rules of their profession, but they do not serve the people they are trying to serve”. They’ll serve them alright – for a fee.