Mr. Bernard Byrne:

I might ask my colleague, Mr. O'Keeffe, to go through the detail in a moment. The overall number is a consequence of where we are in the process at this time and the volume of cases we have been dealing with through the process. The number mentioned by the Deputy must be seen in the context of the number of solutions that have been put in place and have been successful. Many of the issues that are seen on the voluntary side refer to specific cases that have been worked through with the customer, and in respect of which deals have been done and agreements have been reached about debt write-offs and relieving people of future obligations. That has been helpful in this context. There is a legal element to this because as part of the process, we must make constant progress through the process. We end up in that circumstance when people do not engage. As Mr. O'Keeffe mentioned earlier, the legal approach sometimes has a positive effect in terms of re-engagement. It is also a necessary phase in terms of how we make progress. The time periods, in terms of bringing these cases to a conclusion, tend to be very significant.