Mr. Lorcan O'Connor:

That is correct. In terms of sustainability, the personal insolvency practitioner must undertake a number of statutory steps or duties under the Act as he or she is advising a debtor. One of those is to certify that the person returns to solvency, thereby underwriting the sustainability of the arrangement. Whether a bank or anybody else opines on what might be sustainable now or what may have been sustainable in the past, it is the personal insolvency practitioner, carrying out his or her statutory role, that ultimately determines that.