Mr. Jeremy Masding:

To be clear, we will be doing debt write offs, not debt forgiveness. We have previously had a debate in the Chamber on the difference between the two. If we have found a solution, which, sadly, might involve an assisted voluntary sale, I would absolutely use the capital for the customers for whom it is right that we use the capital for the shortfall. We can control some aspects. We can do our best to engage with customers. We can have as professional a conversation as possible with customers through the standard financial statement, SFS, lens to try to find a solution. Our track record since 2012 and 2013, under Mr. O'Sullivan's leadership, has been that we have found many creative solutions for customers. We set off with a mind set that success for us was to find a long-term treatment. We cannot control those who, unfortunately, we are unable to help. This takes us through the legal process.