Mr. Shane O'Sullivan:

I am happy to take that question. Approximately 15% to 20% of our customers are not engaging at present. Under the code of conduct on mortgage arrears, CCMA, engagement is defined by the extent to which there is meaningful conversations. The Deputy should not take the figure of 15% to 20% to be those who, as he put it, are stonewalling us. While there is some element of this within the 15% to 20%, another element comprises people who are engaging in a limited way but not in a meaningful way.