Mr. Jim O'Keeffe:

Exactly. As I was saying, I do not think we have the silver bullet. I wish I could tell the Deputy we did but, as we have done to date, we have put in various solutions to try to restructure customers, we have adopted mortgage to rent, as it was previously, and we are now working with the enhanced scheme to see what we can get. We have proven that if other ideas and solutions come forward we will embrace them.