Mr. Brendan O'Connor:

It will depend on the extent that we believe that they can get themselves out of the situation. Today the Deputy can see that we have reduced payments and customer treatment strategies in terms of being able to deal with them. What he has not seen here is that, in a lot of cases, there is shorter-term forbearance - for example, where a customer in the next year or two could be involved in a college situation or training for a second job, etc. There will be solutions available. We offer trade-downs. Some people want to take out positive equity and trade their houses down. We offer arrears capitalisation and term extensions.