Mr. David Duffy:

We are just being very clear. We are not going to argue about what someone is paying or not paying. We lend for a mortgage against collateral. We are not debating all the other payments.

If somebody writes to us outlining their income and expenses and, after all the payments the Deputy refers to are made, adds up those income and expenses and then outlines the amount of income left to allow them pay their mortgage, and they have not, I regard that as a decision they have made not to pay their mortgage. It is not about putting food on the table. It is after we have made allowance for all the living standards at 20% above the ISI.