Mr. Shane O'Sullivan:

No. We are referring to where we have a customer who is engaging and co-operating, it is clear to the customer and ourselves that the situation is unsustainable and that the only way to materially reduce the debt that is owed is to sell the property. In those situations, because the customer has engaged with us, we will reach an agreement upfront for the sale of the property with regard to any shortfall that might arise post the sale. We are on record as saying we are happy to write-off up to 80% of the shortfall once the customer provides us with 20% or more of the shortfall post the sale of the property.