Mr. John Moran:

No. I think it is fair to say that the situation has not been resolved, but for the 1% we talked about, there are also a lot of people who will in fact see banks move in terms of giving them appropriate relief. We have set out the various types of relief we would recommend, including split mortgages and dealing with interest only for periods of temporary loss of income. There will also be significantly larger numbers of people who will avail of those solutions once the banks start working through person by person where they need to go.