Mr. Tom Considine:

We have made arrangements with 16,000 people, of whom 86% are complying. We are working our way through this in a structured manner. It is important to acknowledge that the industry, with guidance from the Central Bank, has put in place a structure for working through this. When people have difficulties with their mortgages, they are asked to complete a standard financial statement. That is not intended to make life difficult for anyone. It is to ensure they are treated fairly and that their full circumstances are taken into account when decisions are made about them. A range of options have been developed to -----