Mr. Jim Brown:

As was said, we have made numerous efforts to try to get customers to engage, everything from calls, letters and visits. There has also been clear communication from Government, the Central Bank, the Insolvency Service of Ireland and even the court process and despite all of that, there is a group of customers that still will not engage, even through to the court process. It has been reported that only one in five turn up in the courts, for example. I cannot explain that but in recent days we have come out with our commitments to customers in arrears in terms of how we will treat them so that they can see that the process we would be putting them through will be fair. We would rather that those 2,000 customers engage with us because if they do we believe we have got a solution that will help them, just as we have helped the other 22,000 customers, but we need to engage. As to why they are not, I cannot answer that.