Mr. David Duffy:

What I would say very clearly is that if somebody decides that they want to pay something else, they have made a decision not to pay their mortgage. The mortgage is a loan to a person secured against their asset. It is the prioritised asset. If a person decides to pay anything else, they have made a decision not to pay their mortgage. I am not here to be judge and jury of what somebody else decides to pay but in a restructuring, we would look at all income and expenses and there would be a negotiated arrangement around it. Where we have a situation where there is clearly surplus cash beyond the arrears, we know that a person has made a decision. Perhaps, as the Deputy says, they want to keep it for "X" or "Y". It is not our judgment or issue.