Mr. Brendan O'Connor:

I do not have the number in front of me because we made the decision that anyone who was given a split mortgage should not be disadvantaged by a matter of timing. For this reason, we reissued all split mortgage offers. I do not have figures on how many have been accepted, but it is likely that between 600 and 700 of the 1,100 split mortgages that have been offered will feature some debt write-down. I imagine there will be an element of debt write-down in between 60% and 70% of cases involving assisted voluntary sale or customers choosing to surrender the property.