Mr. Shane O'Sullivan:

That would be a factor of rental incomes and supply and demand so without a doubt it is a risk. The alternative of course is not to provide a restructure and the consequence of that is repossession and that is not a route people want to take so, as bankers we have to assess the risk and we have to make decisions. We believe that our policy in terms of buy-to-let restructures is appropriate. It recognises that risk. It does not take all of the net disposable income into account as a consequence but, nonetheless, the risk exists.