Mr. Jim O'Keeffe:

Unfortunately, we are.

To that end, to try to remedy that issue, a number of years ago we put in place an agreement with another third party, the Irish Mortgage Holders Organisation, IMHO, which is David Hall's organisation. This was to reach out to people in these circumstances who may, for whatever reason, be afraid to come to the bank. Through this we have solved the cases of almost 3,000 customers. This is funded by the bank. I do not think I need to voice here the independence of IMHO in terms of its dealings with the bank, but when customers come through there we fund it. This has been helpful to date. As Deputy Doherty mentioned earlier, we are looking at encouraging people with no affordability to come forward, and we are working with a third party in this regard.