Mr. David Duffy:

We have no incentive or bonus schemes in the bank full stop so it does not matter which category the Deputy talks about.

With regard to being disadvantaged over positive equity, that is not the case. One is not disadvantaged in terms of any solution offered and all that solutions can offer. Usually, it is an advantage because the person, ultimately in resolving his or her debt position, then trade down, for example, will benefit from positive equity. I am not sure what drives that view but it is not an influence in our bank in terms of decisions made. The Deputy might be overestimating the quality and complexity of our financial systems.