Mr. Brendan McDonagh:

Hopefully, that will help the Deputy's understanding. When we put a debtor's loans on the market and someone buys them, that is the debtor's new banker and he or she will have to deal with that person or group the next day. Whatever happens then happens then, and we cannot control it. As Mr. Daly stated, once we have sold a portfolio, whoever buys it can do what he or she needs to do.