Mr. Brendan O'Connor:

The customer treatment strategy refers to the portfolio. Customers in this group could be SMEs. Typically in Ireland, SMEs did not borrow in limited company names but in their own. Therefore, there could be a customer with a mortgage, two buy-to-let properties, commercial real estate, a business, etc. In the context of the customer treatment strategy, we examine the debt in its entirety. We protect the PDHs first, the SMEs second and then the rest. It is actually a case of dealing with multiple debts. The only way we could fit them into a solution that did not-----