Dara Murphy (Cork North Central, Fine Gael) | Oireachtas source

That is reasonable and gets us back to negative equity and those other arguments. Mr. Bell has put a good deal of focus on sustainability. Can we not accept it is necessary for some people who are engaging with the bank? Mr. Bell referenced people who are not engaging and clearly there are people who are not engaging. As a politician, I know the people who engage do far better than those who do not engage. However, there must be some people with whom the bank is engaging and who engage very well for whom a sustainable solution - Mr. Bell referred to sustainable solutions - must include the reality that they cannot afford all of their mortgage and never will. Therefore, the only sustainable element must include some form of write-off or write-down. Some of the other banks have accepted this. Does Mr. Bell not accept it?