Mr. Stephen Mason:

Yes. Unsecured debt can be a significant issue. If one looks at the number of SFSs we took in across 2013, the average customer presenting with difficulties had €36,000 of unsecured debt. If that is being repaid over a five or six year timeframe, it can be quite a drain. Dealing with the unsecured debt allows us to offer sustainable solutions to more mortgage customers in difficulty.