Mr. David Duffy:

We have. The last time we spoke about this issue it was simply beyond a multiple of AIB's capacity to try to address it. What we have tried to do is become extremely realistic. As AIB is the only bank that is committing to people in this situation, we cannot solve the negative equity but we can create a dissolution whereby people can live in their homes if we write off some of the debt which, clearly, will never be repayable. That is the best compromise we can offer, and we have done it both for homes and for businesses. We are realistic regardless of how long the process, whereas somebody else might look at it and say they will do it later. We are up-front and realistic about making the business or the customer viable in terms of living in a home and running their business and functioning in the economy again. That is the best compromise we can offer.