Mr. David Duffy:

Yes, this is a difficult one for us because the Central Bank's guidance is that it does not see interest-only payments as a sustainable solution. That is because in the early days of this process interest-only payments were the shortest, quickest effective route to reduce cashflow requirements for a customer; therefore, there was a huge volume and we have been guided to move away from it. There are circumstances where in a positive equity case with something that could be resolved over a period of time - perhaps not the full distance to retirement - we would make the case to the Regulator that that would be a sustainable solution in our place.