Mr. Ray MacSharry:

I was following on from that. As a non-executive director of the board and not an executive of it, I am not fully sure of what policies might or might not be developed by an executive that may or may not come to the board for approval at some stage. These things happen all the time with executive teams. We are talking about the position as of now. I know legislation is going through the Oireachtas at the moment and I know it is to help those unfortunates who are in great difficulty with their mortgages, whether they be in negative equity or whatever. The fact of the matter is that in so far as Permanent TSB is concerned, it will deal with that legislation It will be the law and it will deal with it accordingly. In so far as individual cases are concerned, as of now without that legislation being in place, our team is dealing with customers in arrears and difficulties on an hourly basis every day.