Mr. Jim O'Keeffe:

In the first instance, all of our interactions - in terms of an industry view - go through the Banking and Payments Federation. On a particular set of initiatives around housing, that is falling into an engagement with the Department, at its behest, in terms of seeking arranged solutions, one of which we spoke about earlier, namely, vacant properties and movement in that regard. It is very much a request coming to engage with the Department and we are very comfortable about doing so and about talking through what might be the practical implications of implementing such a scheme.