Mr. Stephen Mason:

We bring far fewer people before the courts than others. I looked at the number of civil bills which issued in the second quarter of this year and Bank of Ireland was responsible for 5% of them. We go through an exhaustive process before we get to the legal stage, which is the last stage of our process. When we take the legal route, it is because we have exhausted everything else we can do. We have fully complied with the Central Bank's code of conduct on mortgage arrears in terms of what needs to be done in respect of a customer who qualifies as non-co-operating. We do all of that and go through all of that process. The last thing we want to do is to go to court but ultimately, if a customer does not engage with us, our options narrow and that is the only option left available to us. It is only in a limited number of cases.