Couldn't agree more. An awful lot of time wasting political rhetoric and pointless questions (e.g. "Can you assure us that there will be no compulsory redundancies"). The politicians had twice as much time to ask the questions as the UB team had to reply. The format meant that the UB team could get away with giving bland bulk answers and avoid the tough points. And the format totally prevented any kind of forensic followup questioning (e.g. they were asked what time period would be taken into account in determining a mortgage to be non performing, and would they give an assurance that this wouldn't just be 2020 to ensure that people wouldn't be disadvantaged where their difficulties were solely a result of changed circumstances due to the the pandemic) and totally ignored this and other inconvenient questions. Chair was pretty weak also.The format of front loading with all TDs questions just doesn’t work, so many questions go unanswered. Also as usual, TD questions are wrapped up in a statement, taking up valuable time.