Mr. Mike Aynsley:

Generally, repossession of any personal dwelling home is an absolute last resort. By policy, we do not want to go there. Normally, it is a situation where the borrowers will not co-operate with the bank in any shape or form. These are long-term delinquency situations with no hope of recovery. We try to work with clients and try to put them in a position where they can get back on their feet. We have a number of products coming online, with the mortgage arrears resolution strategy, to assist us through forbearance. The chairman alluded to IBRC being in a process of forming a strategy for the most distressed parts of our loan book for the most distressed clients. For want of a better name, we could call it a residential intensive care unit, designed to focus on the most needy. It is an initiative that will come online within the next few months.