Mr. Shane O'Sullivan:

The Deputy is right. We are actually in agreement here. In all of these situations, post the sale of the property, we will ask our customers to complete a standard financial statement. In cases in which there really is no affordability or sustainability, we are pragmatic, and we will not chase money that is not there. However, my point at a policy level is that I have set out what we will do in situations in which customers engage, and post the sale of the property, we will sit down and look at affordability. That satisfies us. If there is affordability we look for it, but where it does not exist, we will not be anything other than pragmatic.