Mr. Bernard Byrne:

While I cannot provide a figure off the top of my head, we make such a calculation. This involves examining different deciles of customers in terms of their income relative to their mortgage payment at a specific point in time. To make a general observation, when one finds someone who is very close to reaching the limit - interest rate increases tend to have a modest overall impact in terms of overall income - the person is likely to be in a difficult position in any case, either an arrears position or a pre-arrears position. The customer tends to be at the tipping point, in other words, very close to the line. We look at these cases based on our understanding of the income of the people in question. The calculation tends to produce a relatively modest number, one that is lower than one might expect.