Mr. Brendan O'Connor:

We offer solutions based solely on affordability. Therefore, to the extent that there is an affordable solution that allows people to keep their houses, we will offer that solution. However, it is never binary and every case is different. To some extent, we can look at the position of somebody who is unemployed and predict that he or she has a reasonable prospect of getting back into employment and then come up with various proposals but not for a long-term sustainable solution. We cannot build a long-term solution - ten, 15 or 20 years - if there is no affordability. However, to an extent, we can say forbearance is needed. We would have 2,000 or 3,000 people with forbearance or shorter term solutions because we can see that things will improve or have a reasonable chance of improving. It is all down to affordability; it is not a matter of unemployment and the ability to craft a sustainable solution.