Mr. Mark Cunningham:

I am happy to take that question but I can only speak for Bank of Ireland, although I do not think the situation is any different for the other banks. In the majority of situations the farmer is willing to engage and to reach a reasonable compromise and there are very few forced sales of farms. In the case of Bank of Ireland, we have only appointed three receivers to farmland over this period.

In most instances we have been able to reach an accommodation whereby any outstanding debt has been resolved to everybody's satisfaction.