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Dáil Éireann debate -
Thursday, 16 Jun 2011

Vol. 735 No. 3

Adjournment Debate

Credit Availability

The Minister for Finance and the Minister for Jobs, Enterprise and Innovation need to act urgently because the banks in this State are actually destroying viable businesses. The Government and its predecessor have poured billions of public money into these banks. The present coalition in its programme for Government and in its so-called jobs initiative has made commitments to make credit more readily available to small and medium sized enterprises. Those commitments have not been fulfilled, however. On the contrary, banks are coming down like a tonne of bricks on viable family businesses, causing untold distress to individuals, throwing people on the dole and further damaging local economies and the national economy. This is not some urban myth of the recession but happening every week. Every Deputy must be aware of it in his or her constituency.

I want to bring to the attention of the Minister, the Dáil and the wider public a prime example of how the punitive and unnecessary actions of financial institutions are causing such damage. Quinn's Superstore in Carrickmacross, County Monaghan, was a family-built, family-owned and family-run retail and service station business. It was very successful and employed 50 people. Begun by Bridie and Paddy Ward, it was taken over by their daughter and son-in-law Brigid and Michael Quinn 23 years ago.

Michael and Brigid grew a highly successful and profitable business. In 2006 they were in a position to take out an €8 million loan from AIB to redevelop their premises completely. A major road works project outside their premises caused serious losses but they carried on. The Quinns were able to reach an agreement with the Revenue Commissioners whereby they repaid almost €20,000 per month to clear arrears. It was at this stage that, having paid over €8,000 per week in loan repayments to AIB over a long period, the family business sought some respite from the bank until it cleared the Revenue debt. The bank, however, refused to listen. The Quinns had to stop the bank loan repayments for three months.

The business began to recover and in December last year the Quinns offered to resume repayments to AIB with an increased figure, over and above the previous €8,605 per week. Incredibly, the bank refused and in January of this year AIB demanded the repayment of the balance of the loan in full and sent in receivers to take over the business.

The Quinns have received widespread support from the people of Carrickmacross, from other businesses in and around the town and, just last week, from Monaghan County Council which adopted a motion of support proposed by Sinn Féin councillors. In spite of this, the family has been locked out of its business, prompting protests, including a sit-in. All of this stems from the punitive action of AIB, its refusal to listen to reason and to see that a successful and viable business, with the co-operation of the bank, was in a position to repay the loan and on better terms than previously from the bank's point of view.

Contrast the treatment meted out to customers by the banks with the revelation that Bank of Ireland is still paying out tens of millions of euro to directors, their families and cronies in privileged loans, as shown in the Bank of Ireland annual report. It beggars belief.

I raise the case of the Quinn family business as typical of others throughout the country. I appeal to the Minister for Finance and the Minister for Jobs, Enterprise and Innovation to intervene in this case with the bank which is effectively owned by the taxpayer. I appeal also for the Ministers to exercise their authority in terms of the policy and strategy of the banks and to call a halt to this type of destructive and punitive approach.

It is time more was put in place to protect people in this position. There needs to be an authority or body which can mediate in this sector, something along the lines of the Labour Relations Commission. That is a proposal we should explore and develop. When the Quinn family was put out on the street by the bank, it had no one to which it could turn for redress. In the meantime, pending the establishment of such an independent mediation service, the banks must be required by the Government to act as facilitators for economic activity and economic growth, not as terminators of viable businesses.

I thank Deputy Ó Caoláin for raising this matter. I did not know of the particular case to which he referred and was interested to learn about it on the floor of the House. It has been well publicised locally and there are many issues which AIB must address. I will raise this matter with the Department of Finance, the Minister for Finance and the Minister for Jobs, Enterprise and Innovation to see what can be done in this specific case.

The Government is acutely aware of the importance of credit to viable businesses and has taken several steps in this regard in its first 100 days. While it has made some progress in this area, it is important we move beyond slogans. The recent report of the credit reviewer, Mr. John Trethowan, shows that in seeking to move forward to ensure a flow of credit that underpins economic growth and jobs creation we are faced by a myriad of challenges and difficulties. These have the potential to impede fundamentally viable businesses in accessing the bank lending they require. An important focus of the Government is, therefore, to identify these impediments and to bring forward appropriate initiatives.

The Central Bank has estimated that for the SME and mortgage sectors, credit of €11 billion to €16.5 billion of gross new lending will be required in total over the next three years. The Government's plan creates the capacity for the pillar banks to lend in excess of €30 billion over the same three year period in SME and other important sectors. In other words, they should be more than able to meet lending requirements. This is only one side of the lending story. Viable businesses must also seek credit and when it is approved by the banks, they must actually draw it down and the relevant funds put to productive use within the real economy.

The Government has agreed that the loan guarantee scheme will be a temporary, partial credit guarantee scheme targeted at market failures resulting from a lack of collateral or banks not being sufficiently focused or knowledgeable in particular business sectors. In line with the recommendation contained in the recent report of the Credit Review Office, an appropriately designed loan guarantee scheme also has a potentially important role in assisting fundamentally viable businesses which have difficulty in obtaining bank finance as a result of their overall level of indebtedness. The Taoiseach reconfirmed his commitment to the scheme as recently as 13 June last. The notice of the competition to design the scheme was advertised on e-tenders on 15 June, with a closing date of 7 July. It is envisaged that the scheme will be up and running in the autumn.

As part of the troika agreement with the EU, the ECB and the IMF, the Central Bank of Ireland has committed to publishing a report on the treatment of loans in arrears under the code of conduct for business lending to small and medium enterprises and aims to provide standards for banks concerning their handling of past due loans of still viable entities and where recovery appears feasible. The latter is particularly relevant in the context of the business entity in his constituency to which Deputy Ó Caoláin referred. The Central Bank's work on the code is only at the initial consultation stage at present. However, it will be in place in the autumn. The code will provide a framework within which the banks will deal with SMEs whose loans are in arrears. I must stress that this is not about debt forgiveness for businesses but rather about ensuring that the banks deal fairly and honestly with customers who are in arrears.

As part of the credit suggestions initiative, the Minister requested suggestions from members of the public on what can be done to encourage viable businesses to seek credit. Over 100 such suggestions were submitted by members of the public and the most frequent, relevant and productive of these will be published shortly. These can then be implemented, as appropriate, by the relevant organisation or organisations. This response — which has come about within a very short timeframe — reflects the importance of this issue to small businesses. I wish to record my appreciation to everyone who took the time to submit suggestions.

I wish to make one further point in respect of credit to small businesses. There is a great deal of negative publicity regarding the availability of credit emanating from certain areas and this could discourage people from seeking credit. People should not be afraid to seek credit from their banks. In many cases, they have been good customers for many years and I would expect the banks to stick with them even in bad and difficult times. The banks have received massive support from taxpayers, many of whom own businesses. If a customer is refused credit, he or she should always invoke his or her right to an internal review within the relevant bank. If this is not successful, the Credit Review Office will, on application from the borrower, carry out an independent and impartial review of a bank's decision to refuse or reduce credit.

A number of Ministers have made the point that the Credit Review Office is extremely important in the context of the times in which we live. Where people or small or large businesses cannot obtain funds or have been refused them, it is important that an immediate application be made to the Credit Review Office which can provide an independent assessment as to the merits or otherwise of a case. I would strongly advise anyone who has unsuccessfully appealed through a bank's own internal appeals process to seek a review by the Credit Review Office. It is only when we see independent reviews of refusals of credit that we can assess whether the banks are refusing credit to viable businesses.

I will bring to the attention of the Minister for Finance the constructive suggestion put forward by Deputy Ó Caoláin in order to discover whether we might respond to it in kind.

Community Employment Schemes

I thank the Ceann Comhairle for allowing me to raise this matter. The recently announced jobs initiative is extremely welcome, particularly for anyone who obtains an internship or a place on a scheme. However, everyone agrees that more must be done. In that context, I wish to make a suggestion in respect of something that would be cost-effective and that would make a massive difference to the lives of thousands of people.

Community welfare officers have informed me that they are continually being contacted by community groups and unemployed individuals in respect of community employment, CE, schemes. I have worked with community groups and sporting clubs all my life and I have seen examples of the great work these schemes can do. On Monday last, I visited the Curam family centre in Claremorris and I was informed by those who run it that they were not be able to continue to provide services were it not for the existence of CE schemes.

The issue that always arises is the cost associated with running a scheme and everyone is aware of the economic climate which obtains at present. The reality is that CE schemes are cost-effective because the overhead costs would not increase significantly. Effectively, people who want to work on these schemes would only be paid €20 more than they would receive in the form of jobseeker's allowance. Everyone benefits from CE schemes on foot of the invaluable work done by those who avail of them. People who are unemployed and who become involved in a scheme suddenly obtain a sense of purpose and are given a reason to get up out of bed each day.

In addition to expanding the number of places available on CE schemes, I strongly suggest that the criteria relating to applicants should be changed and made more flexible. At present, these schemes are confined to those who are over 25 years of age. However, those who are under 25 form the largest cohort of those who are unemployed. In Mayo, there are 13,500 people who are unemployed. Some 2,500 of these — including 940 females — are under 25 years of age. Any expansion of the CE schemes should allow under 25s to be eligible to access them. Even if a time limit of two or three years were applied to a new scheme, this would at least give people the opportunity to work until the economy begins to recover.

CE schemes were very successful during the economic downturn in the 1980s. At that stage there were up to 40,000 people on such schemes. Currently, there are only 22,500 on the schemes. There is an urgent need to increase the numbers on CE schemes in order to offset, to some degree, the problems caused by the economic crisis. Seven or eight years ago there were ample places available on schemes because it was not possible to find sufficient numbers of people to take them up. What is happening at present is similar to giving someone an umbrella when the sun is shining and then taking it away when it starts to rain heavily.

I accept that there is a national problem with unemployment. However, the unemployment rate in my constituency in Mayo has always been particularly high. There are unemployment blackspots in east Mayo. In the 1980s north Mayo, along with places such as Tallaght and Limerick city, was designated as one of the 12 worst unemployment blackspots in the country. In 2006 Ballina had the highest rate, 15.8%, of unemployment in the country when the national level was 4.4%. That was in the middle of the Celtic tiger period.

I appeal to the Minister and to the Government to examine the benefits of expanding the CE schemes and of making the criteria that apply more flexible.

I am taking this matter on behalf of the Minister for Social Protection, Deputy Burton, and I thank Deputy O'Mahony for raising it. This is an issue of great concern to many Members on foot of the useful work undertaken across the country by community employment projects.

Responsibility for community employment and a number of similar initiatives was recently transferred to the Department of Social Protection. In the coming months the Minister hopes to be in a position to consider afresh a number of aspects of the operation of these initiatives. Against the background of scarce resources, she wants to see where best outcomes — at best value — can be achieved in providing activation opportunities for people who are out of work. Community employment cannot be excluded from any consideration of this nature.

It is important to emphasise and remind Deputies that the purpose of community employment primarily involves developing the skills base and work readiness of individuals in order that they can re-enter the workforce after periods of unemployment or other absences. Community employment is an active labour market programme designed to provide opportunities to engage in useful work and training within communities on a fixed term basis with a view to progression to the labour market in the short term. The criteria for participating in community employment are based on individual circumstances related to age, length of time unemployed or absent from the labour market and in receipt of qualifying social welfare payments. The programme also focuses on those with more limited access to jobs and training opportunities. This latter client group will include lone parents, persons with disabilities, stabilised substance abusers, ex-prisoners, travellers and long-term unemployed persons.

Duration on the programme is limited to facilitate the progression of participants to the open labour market. This also allows for the movement of participants through the programme and opens opportunities for new participants to avail of the benefits offered. The number of places available was increased to 23,300 in 2010. The budgetary provision for 2011 will allow FÁS to continue the programme at the same level as 2010. In delivering these places, FÁS will continue to operate flexibly in the management of this allocation in order to maximise progression to the labour market, while at the same time facilitating the support of community services.

In conclusion, the Government will continue to support the positive role of FÁS employment schemes in meeting the needs of long-term unemployed person. The Minister is also conscious of the meaningful role community employment projects play in supporting services for and in communities the length and breadth of Ireland.

While there are no immediate plans to alter the current criteria for participants in community employment or to add to the number of places available, the Minister has asked me to say that she will be taking stock of its operation with a view to making improvements if these are found to be necessary.

Bloomsday Public Holiday

Today is Bloomsday, 16 June. It is the annual occasion when Ireland celebrates its giant of Irish literature, James Joyce. The celebration was begun in the 1950s by a number of Joycean scholars and enthusiasts to commemorate the famous day in 1904 when Leopold Bloom, the hero of Ulysses, Joyce’s most famous work, spent the entire day walking around the streets of Dublin. It is also the day when Joyce first walked out with Nora Barnacle, the love of his life and the woman with whom he went into exile and married. In 1924, some 20 years after that occasion, Joyce wrote, “Today is 16 June 1924, 20 years after. Will anyone remember this date?”. Of course, they did.

The celebration of this iconic day now takes place in more than 16 countries annually. It starts with a Joycean breakfast of "inner organs of beasts and fowls, including grilled mutton kidneys with a fine tang of faintly scented urine". There are readings and productions of Joyce's works and tours throughout the city of Dublin. Tonight, for example, I will be attending a Joycean music and song festival in the Teachers' Club in Parnell Square. Deputy Ferris tells me there is a day-long festival in Bray, which she will be going to after this. I am sure every Deputy, particularly in Dublin, will have various events where there are celebrations of Joyce's works.

Yesterday in the Mansion House, I attended the presentation of the most valuable literary prize in the world. The IMPAC award was presented to Colm McCann. This is done largely through the good offices of Dublin City Council, which is very supportive of literature and the arts. Last year, Dublin was designated a UNESCO city of literature, which is a permanent designation. Dublin is home to many great writers, as is the entire country. Ireland has a rich tradition of writing.

The extraordinary literary tradition of the country should be marked by an annual public holiday around which a major national and international festival of literature could be developed. We have only nine public holidays, the least number in Europe apart from England and Wales, which have eight. Germany, which is regarded as the work horse of Europe, has 14 public holidays for its citizens, yet it can produce a powerful economy. Northern Ireland has ten, including the rather questionable one on 12 July, which is hardly an inclusive public holiday for all citizens. A public holiday to celebrate our literary heritage could, in time, be extended to Northern Ireland, which has a rich literary tradition. This could become an all-island festival of literature and culture.

The idea of a public holiday on Bloomsday was first proposed by Joycean scholars in 2004, the centenary of Bloomsday. It is even more appropriate at this time. On 1 January 2012, the copyright restrictions on Joyce's works will expire and they will be readily accessible both to scholars and enthusiasts at no cost. There will be no charge on publications, performances, readings or adaptations of any of Joyce's works. That is a problem at present. This is an appropriate time to look at the breadth and scale of such an international festival and public holiday.

This would be an enormous attraction for scholars and students but also for ordinary tourists. Joyce has become a national brand. A literary festival of this nature would be of significant commercial value as well as fulfilling its main purpose of commemorating and celebrating our rich literary heritage and being an inspiration to future generations of writers.

I thank Deputy Costello for raising this matter. He referred to Joyce as a national brand. I suspect that Deputy Costello may one day be regarded as a national brand himself.

The Minister is too kind.

I also wish all my colleagues a happy Bloomsday. I was able to take part in a Joycean event earlier today in St. Stephen's Green. It was fantastic to see so many people there. The green is looking at its best at this time of year. It is under the control of the Office of Public Works. Deputy Costello is absolutely right. This is a fantastic occasion to celebrate Irish literature throughout the world and particularly in Dublin.

I thank Deputy Costello for raising this matter. I acknowledge the international importance and recognition afforded to great Irish writers and, indeed, James Joyce is among these. Bloomsday is well recognised beyond these shores and internationally with the highlight of the Joycean year, of course, being the Bloomsday festival. The 2011 festival incorporates a large programme of events that commenced on 4 June leading up to today's celebrations.

Bloomsday has become a day on which fans of James Joyce celebrate the man and his unique skill as a wordsmith. The day has grown into a significant event for our capital city. Visitors from all over the world travel to Dublin to participate in the Bloomsday festival, to walk the streets like Leopold Bloom and Stephen Dedalus.

This year, Bloomsday is a much more significant international event, with Dublin's designation as UNESCO City of Literature. Dublin is one of just four cities, worldwide, that has been, deservedly, awarded this designation. Dublin as a city of literature means offering a new, creative tourism that is all about encouraging visitors to experience the Irish literary life directly so that they can have an authentic engagement in the real cultural life of our city. For a short while many feel that they too are part and parcel of Dublin life.

On the particular issue of the designation of 16 June as a national holiday, the legislation which provides for public holidays is the Organisation of Working Time Act 1997. This Act provides that certain days may be prescribed as public holidays. At present, there are nine public holidays, including the first Monday in June, in addition to statutory annual leave entitlements. Any proposal for the provision of an additional public holiday would require careful consideration. Not least we would need to consider the implications and impact of any such designation on employment and for the economy at large, in particular the extra costs it would impose on employers.

Were Bloomsday to be designated a public holiday — I stress no such designation is at this moment being contemplated — it would be necessary to undertake detailed and substantial consideration of issues arising, including wide-ranging consultations with relevant stakeholders. Among the matters to be considered would be the impact of any such increase in public holidays on the competitiveness of firms, in particular small and medium enterprises with smaller workforces, and in terms of output and the impact on employment. Proposals of this kind cannot be considered without regard to the wider interests of workers and the enterprises in which they are employed.

The proposal being made by the Deputy, involving a new and additionally designated national holiday, on an annual recurrent basis, would need serious examination and consideration on a wide number of fronts. For example, the selection of a particular day to be a public holiday would also need to be considered in the light of tradition, custom and practice in designating such days. This can be seen with St. Patrick's Day, which is of significant importance from both a national and international perspective. Any newly-designated national holiday would have to be measured against the substantial national and international status achieved by our current designated national holidays. In the current challenging economic circumstances, the matter of designation of an additional national holiday is not among the Government's priorities. I thank the Deputy for raising the matter. I expect it would probably require the agreement of the troika before moving on the issue.

The Minister of State will need to ensure it is on the agenda for the next meeting.

Accident and Emergency Services

Of course Joyce was a socialist who left the country because he felt those who were going to inherit the Irish revolution would replace one form of subservience with another. The IMF-EU deal seems to vindicate many of Joyce's thoughts on the matter.

Does the Deputy want to follow his lead?

Many people are already being forced into exile because of the deal and let us hope that more are not forced out if we continue along this disastrous path. One more victim of the austerity being forced on the country by the IMF and EU is our hospitals. In a shocking announcement yesterday, Loughlinstown hospital's 24-hour accident and emergency service is to be abolished and replaced with a daytime minor injuries service and surgical procedures are to be limited at the hospital. This is an appalling move, which will have a very damaging effect. The hospital serves a catchment area of approximately 160,000 people. It is the only 24-hour accident and emergency service between St Vincent's Hospital and Wexford General Hospital. It treated 21,000 accident and emergency patients last year so it is clearly a service that is being used.

A number of years ago the 24-hour accident and emergency service in St. Michael's Hospital in Dún Laoghaire was reduced to an 8 a.m. to 8 p.m. service. This is a retrograde, disgraceful move which is inexplicable given the commitments the Minister, Deputy Reilly, gave to me in response to a question on the future of Loughlinstown hospital a few weeks ago when he stated: "The HSE recognises that it is of paramount importance that there is no impact on services to patients as a result of the recent redeployment of staff from St. Columcille's Hospital, Loughlinstown and community services". That was in the context of me asking why staff were being moved from there against their will to work on the other side of the city.

We now discover that his assurances were empty and that those redeployments were part of a deliberate run-down of services, which pre-empt the review the Minister promised after which the Government would consider the services that might be impacted. However, we now discover that the 24-hour accident and emergency service in Loughlinstown is to be shut down, causing extreme hardship and anxiety for many people.

All of these people will now be forced to go to St. Vincent's Hospital or to Wexford General Hospital. That means 21,000 additional people into an already over-stretched service in St. Vincent's. This is a disastrous move, the background to which is the €1 billion reduction in health service funding, which the Government has refused to reverse as a result of the IMF-EU deal. I appeal to the Government to reverse this move and retain the 24-hour accident and emergency service which is desperately needed in the area. If that does not happen I would anticipate rage in the County Wicklow as well as in the Loughlinstown, Ballybrack and Dún Laoghaire areas. We are already planning meetings and protests about the issue. I appeal to the Minister of State to save me the trouble of having to organise demonstrations and the anxiety of the people in the area by ensuring this accident and emergency service remains open.

I thank the Minister of State for taking the debate tonight, he obviously drew the short straw this evening.

The graveyard shift.

I am very happy to share the time with Deputy Boyd Barrett. I raised the matter this morning under Standing Order 32. I am sorry there are not more Deputies from the Wicklow and Dún Laoghaire constituencies to lend their support.

I too was shocked to learn of the HSE's decision to downgrade the accident and emergency services in St. Columcille's Hospital. This news was delivered in the form of an e-mail sent to public representatives and the media without any consultation with any public representatives. The decision makes no sense. As it stands the hospital's accident and emergency service serves approximately 21,000 cases every year. This proposal would mean that all those people would need to transfer from St. Columcille's all the way into St. Vincent's Hospital, which will cost people their lives and is a further example of the mismanagement of the health service by the Fianna Fáil-led Government. While we have inherited this legacy, I call on the Minister for Health to intervene with the HSE to reverse this decision.

Thousands of people from County Wicklow rely on the accident and emergency facilities in St. Columcille's Hospital every year. If they were forced to travel from somewhere like Carnew, Rathdrum or Aughrim — never mind Bray where I live — into St. Vincent's Hospital their lives will be put at risk. God forbid, if I ever have an accident in time to come, I hope it takes place here in Leinster House because I would be nearer to St. Vincent's Hospital than I would be at home in Bray.

The Labour Party has campaigned for years for the service at St. Columcille's Hospital to be saved because it was under threat in recent years. We ran a "save our services" campaign, which was very successful in retaining the accident and emergency unit in Loughlinstown. I raised the issue at a meeting with the Tánaiste this morning and he informed me that he only learned about it yesterday and has already met the Minister for Health to express his outrage with the HSE. I know he has written to the CEO of the HSE today demanding a meeting.

This issue is too important to be turned into a political football and I call on all public representatives living in County Wicklow, Dún Laoghaire and those parts of County Wexford that will be affected by the closure to stand together in a joint effort to reverse this unnecessary and illogical decision. The Minister of State told Deputy Costello the matter of designating an additional national holiday for Bloomsday was not among the Government's priorities. Let us hope Loughlinstown hospital is.

I thank Deputies Boyd Barrett and Ferris for raising this issue, which is very important to the people of Dún Laoghaire, Wicklow and Wexford. Its importance is recognised throughout the House.

St. Columcille's Hospital, Loughlinstown, is an important, integral part of the joint acute hospital service operated between St. Vincent's University Hospital, St. Michael's Hospital and St. Columcille's Hospital. The three sites provide a very wide range of acute services to the local population in a collaborative arrangement. There is no need to cease any of the current services at St. Columcille's Hospital. However, the configuration of services is constantly reviewed and, from time to time, rearranged to improve access and quality of service and minimise risk to patients. For instance, in regard to accident and emergency services, a trauma bypass arrangement was introduced in recent years that allows for patients to be brought directly to St. Vincent's University Hospital to ensure the most appropriate treatment. This programme of realignment of services has received recent impetus from HIQA in regard to the need to implement the recommendations from the Ennis and Mallow reports. The conclusions of these reports were a very important contribution to driving further improvement in the quality and safety of acute hospital services. The reports deal, in particular, with the types of services that can safely be provided in smaller hospitals, and with the structures required for good governance and accountability. The HSE must ensure that this happens and the Minister will be monitoring the situation closely in conjunction with HIQA.

The Minister is strongly committed to developing the role of smaller hospitals so they can play a key part in the services provided to local communities. Local hospitals can and should be a vibrant element of local health services, providing treatment and care at the appropriate level of complexity to the patients in their area. The restructuring of services will also be closely aligned with the programme of care set out in the HSE's Report of the National Acute Medicine Programme, which recognises the essential role of large and small hospitals in the delivery of acute services. The HSE is working to make progress on these initiatives in a collaborative framework in consultation with all stakeholders.

The Minister has made it clear that he expects to be briefed by the HSE where there are any proposals to withdraw services from individual hospitals. He has also made it clear that patient safety must be the overriding priority and wants patients to be treated at the lowest level of complexity that is safe, timely, efficient and as near to home as possible. These are the factors which will inform our future decisions on the provision of acute hospital services.

The Minister has clearly assured the public that, even in the difficult economic situation we find ourselves in, no hospitals will close. However, ongoing reform of the system may result in some changes in how care is delivered across our health system.

The Dáil adjourned at 6.55 p.m. until 2.30 p.m. on Tuesday, 21 June 2011.
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