Mr. Ger Deering:

This comes into play mostly in cases of mortgage arrears and in such cases we ask that there not be any court action while the process is ongoing.

Again, I come back to the fact that we are trying to resolve these matters much more quickly than in the past. The difficulty was that if there was a long-term process that involved possibly a year, a mortgage not being paid for that length of time or less money being paid could be a problem. In the main, the banks will come to an arrangement with the complainant, particularly while the MARP process is ongoing.