I have two quick points relating to banking and the application of rules under the present circumstances. Some lending institutions are applying a system whereby arrears occurring and accruing will be capitalised. This will result in an increase in the monthly mortgage repayment. That will be no great help to the unfortunate mortgage holder. Could it be appended onto the end of the mortgage repayment period? That would be far more realistic. The same lending institutions were bailed out by the State, the people and…

We now deal with the Department of Defence. I call the Minister of State, who has five minutes, followed by five minutes for each group or party.

I thank the Deputy and congratulate him on his maiden speech. May it be the first of many.

Is that agreed? Agreed.

I seek further clarification on that issue. Some employers wanting to retain their staff for the duration of the emergency were of the belief that they could subsequently apply for a refund from the Department of Employment Affairs and Social Protection. My understanding is that still applies. I would like confirmation.

We will now have 20 minutes of questions and answers. I ask Deputies to indicate whether they wish to speak. We have three Members offering. I will try to allow everybody to speak. I call Deputy Seán Haughey.

Tá na ceisteanna críochnaithe. Five minutes have been provided to wrap up the debate, but doing so is optional.

I call Deputies Stephen Donnelly and Paul McAuliffe, with one minute at the end for their colleague, Deputy Jim O'Callaghan.

Is that agreed? Agreed.

Tairgim: Go n-ainmneoidh Dáil Éireann an Teachta Leo Varadkar chun a cheaptha ag an Uachtarán mar Thaoiseach. I move: That Dáil Éireann nominate Deputy Leo Varadkar for appointment by the President to be Taoiseach. I also congratulate the Ceann Comhairle on his return to office, which he has discharged with distinction and fairness in the past. I wish him well and commiserate with Deputy Naughten. I think that one could say many things in proposing outgoing Taoiseach, Deputy Leo Varadkar, for the office of incoming…