Mr. Shane O'Sullivan:

The Deputy is accurate in what he is saying. That figure is stating that if one looks across the entire arrears base, there is a larger number who are considering closure. Equally, however, on the long-term solutions, there is a far larger number who are availing of split mortgages or parked capital and interest and so on. To the point earlier, on the template, which focuses on arrears of greater than 90 days, we have offered 4,300 split mortgages across home loans and buy-to-lets. However, if one looks at the PowerPoint slide, one will see the equivalent figure across the entire arrears base is more than 7,000.