Mr. Stephen Mason:

I cannot comment on other banks because I do not know how they operate their collections policies. We have tried to explain that Bank of Ireland is able to offer forbearance for nine out of ten customers who engage with us. If customers do not engage with us we move on to the legal process. Most of the figures quoted pertain to the early stage of the legal process, that is, the demand for possession stage, and if the customers engage we hope many of these cases would end up in forbearance rather than advanced legal proceedings.