Mr. Shane O'Sullivan:

I would ask them to come and talk to us and let us understand the situation, how it has arrived and if it might change. I am mindful that, thankfully, the economy is turning. Today, we have seen very good new employment figures. We need to understand all these factors. In 90% of cases where customers complete a 15 page standard financial statement, we will find a solution. This has been our history throughout the crisis. The cases where we cannot find a solution and end up taking the legal route, is where there is no engagement. While I cannot promise an outcome that is good in all situations, customers should talk to us.