Mr. Jim Brown:

From my perspective, I do not think moving from three years to one year is the issue. Despite all the efforts we have made to engage customers, as well as the efforts made by politicians, the Government more broadly, the Central Bank, the Insolvency Service of Ireland and the courts, we still have 2,000 customers who will not engage with the bank. We came out with our customer commitments earlier this week to make it clear as to how we will work with customers in this situation. The bottom line to resolve this issue is to find a way to engage those 2,000 people. Today, the only option we have if they do not engage is the court process.

I am less interested in the term going from three years to one.