Mr. Bernard Byrne:

We share the concern about the level of arrears. I will ask Jim O'Keeffe to give the Deputy a more detailed breakdown, but as we have progressed over the last number of years we have engaged in a significant process of trying to deal with issues as we have seen them. On the mortgage side, as we have engaged with customers we have put 38,000 solutions in place. We have written off €1.3 billion of debt in an attempt to right size particular positions for home owners and property owners on mortgages who have engaged with us. Our stance has always been that if somebody engages with us, gives us the disclosure and allows us to understand their affordability, we will right size the debt and come up with an answer. That answer in many circumstances involves the right sizing of debt, and €1.3 billion is the total write-off. We think that will continue but we think there are a couple of categories that are starting to become very obvious. Some of them are about people's inability to engage because they just have no affordability and, on the other hand, people's desire to stay out of the process because they see that as a better outcome than getting involved in the process. Jim O'Keeffe will give some statistics.