Mr. Shane O'Sullivan:

It is industry practice. We do not set out to start a legal process or get into that position. We make every effort to engage with the borrower. If the borrower can engage with us, there is no need for legal action. Typically, legal action will occur where there is no engagement and where there is responsibility on the bank to ensure that the amount owed is returned or, at the least, that the reasons for not returning the amount are well understood.