Mr. Jim Brown:

We have not done the selection. It is the 2,000 customers who have done the selection because they are neither engaging nor are they making a payment.

While our undertaking is to try to keep customers in their homes, there must be meaningful engagement on it. As I said in my opening statement, although we, the Government, the Insolvency Service of Ireland and the Financial Regulator have been trying to encourage engagement, it has not happened. That is why we have come out with our commitment to make it very clear to customers that we want them to engage, we have solutions and we will treat them fairly as we go through it. If those people are apprehensive about dealing with the bank, the commitment spells out how we will deal with it. If there is no engagement, we cannot offer solutions.