Mr Jim Brown:

The key here is that some people do have other debt with us. We offer personal loans, credit cards and so on. The larger issue is that on average, as Mr. Bell mentioned earlier, for every euro that someone is paying us in mortgage payments every month, they are also paying 60 cent towards the unsecured debt. Generally speaking, the amount of unsecured debt is relatively small and the loan is being paid off over a relatively short period and generally at a higher interest rate. Our view is that if one manages an arrangement as to how to treat the unsecured debt, generally the mortgage situation is affordable. If the mortgage situation is not affordable even then, we can put one of the arrangements about which we spoke earlier in place that will deem the mortgage affordable in the long run.