Mr. Jim O'Keeffe:

From an AIB perspective, we would have expected to have a lower number of customers going into the scheme because we make a wide range of offerings available at the outset as we try to agree solutions with customers.

Once the process commences, the criteria relating to customers' incomes, location and type of property can be restrictive. As a result, there is an acceptance from our perspective that a broadening of the criteria could assist in opening up that avenue.

I might take the opportunity now to move on to the Chairman's earlier query in respect of a wider scheme.