Mr. Shane O'Sullivan:

Absolutely. On a case by case basis we will consider exceptions. I have set out the default position but the Chairman's example is very specific, and where such a specific case makes sense, we will do what is right by the bank and the customer. In other cases, the default position is 65 but we review the position every three years with the customer. As circumstances change we are open to putting the right solution in place. With regard to buy-to-let mortgages, our resolution policy goes to 70 for the reasons I outlined. It is a less emotive subject than the family home.