Mr. Stephen Bell:

If I may make two separate points, the economic concession keeps the principal as it is and reduces the interest rate to as low as 0.5%. It allows the customer to then eat into the capital repayments, while making a payment he or she regards to be reasonable and fair in an assessment with which we agree. In the case of a split mortgage, a product for which we have not seen a huge increase in demand although it is available, we would put a proportion of the debt in a sort of warehouse. No interest would be charged on it and it simply would be addressed at the end of the mortgage term or at the end of the customer's life. Sadly, this may sound a bit gross but Lorcan O'Connor has stated quite publicly that if the warehouse part of the split mortgage had to be part of the resolution of an estate, then so be it.