Mr. Shane O'Sullivan:

The learnings from the pilot will be rolled out across the arrears platform and all the arrears cases. That is the nature of a pilot scheme. One works with a small number of people to identify findings, conclusions and recommendations and then one implements them across the customer base. The asset-backed securities, ABS, activity does not circumvent personal insolvency or bankruptcy so I do not see the two as linked. If we are unable to find a mortgage arrears resolution target, MART, solution for our customers and insolvency or bankruptcy is the route they would like to take with their PIP or third party adviser, we will support that to the extent that it makes sense to us.