Simon Harris (Wicklow, Fine Gael) | Oireachtas source

Okay. The second point Mr. Brown made in that comment is that secured debt must be prioritised over unsecured debt. Again, this is something we have heard from the other banks and we can understand that, but another issue that has come up, and all of us meet it in our constituency offices, is that people are trying to juggle a good deal of debt, and some of that debt is essential such as car loans because they need to keep a car on the road or they need to keep their children in college. Can Mr. Brown explain to us the consideration he takes for other debts - non-mortgage debt - when reaching an agreement with his customers?