Mr. Jim O'Keeffe:

One of the items considered in the context of the Keane report and the various solutions that were identified was mortgage to rent with, as we see playing out now, limitations. I confirm that from our perspective we see the mortgage-to-rent scheme as a very good solution and work-through and we are very much engaged in trying to make it work. There was an additional item at that point which was referred to as the mortgage-to-lease scheme. That is more in keeping with a wider scheme of being able to attract a portfolio of customers rather than just taking it individually, case by case. We remain positive that this is an option. As we mentioned earlier, there are various discussions on initiatives around housing with Government and we are actively working on the basis that if we can contribute to something like that, we would be very willing to do so.