Mr. Richie Boucher:

Absolutely. I will respond to Deputy Donnelly. I did not see the full transcript of the meeting yesterday, but I can reaffirm that in Bank of Ireland's case we do not consider a resolution to be the bank having written to a customer. We have given our definition, which is a legal process. What we have said and what my colleague has just affirmed is that of the stock at the end of March, 27% had been offered a restructure at the end of June which we believe is sustainable. Another 26% are in the legal process, as we have defined it. I reiterate that in the legal process it is not our expectation that the process will go all the way. In fact, I would be extremely disappointed if it did.

With regard to providing further information if it is of assistance, at the end of July - I am trying to give the figures which are as up to date as possible, but we can come back again to the stock - we had 2,881 accounts where we did not have an SFS. The customer had not completed an SFS form. We do not have a detailed analysis of why the customer has not completed an SFS form, but that is the figure from our perspective.