Mr. David Duffy:

I will make one comment and ask my colleague to comment on some of the cases. Just to be clear, the complicated multiple debts that are linked must be resolved so we are employing all products. We have three approaches. The first is to immediately stabilise and reduce the absolute flow of debt the person must service. The second is to calculate with him or her what is sustainable. The third is to determine the debt that is not sustainable that we would have to restructure. The case in the example we showed the committee is representative of a significant number of our volume. In a number of cases, one finds a husband and wife with a PDH, a SME and three buy-to-lets and a brother- or sister-in-law with further SME debt and other property debt complications. We would bring interest rate forbearance, split equity, debt write-off and all of the elements into those. That is the model we are using so everyone understands how we are approaching it. The great majority of cases are in that mode of complexity. It takes time to resolve them and come to a conclusion but we will end up in all of these situations reaching a level of debt in a calculation at which that debt is not serviceable and we have to write some of that debt off.