Mr. Robert Mulhall:

As I referenced earlier, our first port of call in any assessment is affordability. If somebody does not qualify from an affordability perspective, based on our credit criteria, there is no discussion around exceptions or anything else regarding what is here. We will consider exceptions only in the eventuality where somebody qualifies from an affordability perspective. Then, we consider an exception. One enhancement down the road could be having exceptions on a rolling 12-month basis rather than on a calendar year basis. This could be easier to manage. As Mr. Byrne said, if one finds oneself at a point on a cycle in which exceptions are high in a particular calendar year, it may curtail one's ability to lend in the second half of the year, which is unhealthy. We have to manage it quite rigorously in terms of ensuring we do not breach the-----