Mr. Jim Brown:

It is always done on a case-by-case basis. If a customer was manifestly unable to service the debt and was clearly going to be in a difficult position, the calculation any bank would make to avoid what could be anything from €3,000 to €13,000 in legal costs and anything up to five years of delay in resolving the situation is whether it makes sense if the customer works in a sensible way with the lender to resolve that with a mutually agreeable sale. Would we look favourably at whatever the residual might be and, on a case-by-case basis, yes we would.