Mr. Jeremy Masding:

We do not have mortgages that go into NAMA. For the record, my primary duty is to protect taxpayers' capital and be very judicious in its use. I promise to take away the Chairman's concept and look at it, but my starting point is to be judicious with the use of capital.

I return to Deputy Pearse Doherty's question. When we all started working together, the Irish phrase "kicking the can down the road" and not providing certainty for customers was thrown at me regularly by Tom, Dick and Harry. While we might disagree in the mix - I take the Deputy's point on assisted voluntary sale - I will try to protect my team by saying we do not kick cans down the road anymore and we are trying to give certainty. We might all disagree with what that certainty is, but I want to impress on the committee that the team under Mr. O'Sullivan is genuinely trying to make progress on this very systemic issue.