Michael McGrath (Cork South Central, Fianna Fail) | Oireachtas source

I will move on to the issue of strategic default, an issue that was not addressed in the presentation and on which no comment has been made by the bank. Other CEOs have commented that in their view up to 20% of the mortgage arrears book is accounted for by those who choose not to pay their mortgage for one reason or another. Is that Bank of Ireland's experience?