Mr. Jim O'Keeffe:

Right up to the point at which we transact any portfolio sales, we are open to engagement. We highlighted to the committee previously that we continue to have our full team of approximately 1,500 people in place, working with customers in difficulty to find solutions. While we have looked at that, we will need to execute loan portfolio sales. In general, we have absolute capacity to work with customers who come forward to us to work with us. As we work towards that eventual position, we will determine what level of loan sales need to take place. During 2017, while we are in a closed period, we continued to see really good and improving engagement with customers. The Deputy will have recently seen that we announced new measures relating to our family home portfolio and mortgage-to-rent, which we have seen good performance with. We are reaching out across the portfolio to find other solutions to try to engage with customers so that we can bring that to a solution in a restructuring manner.