Mr. Padraic Kissane:

Because it is not being viewed as a tracker being lost as per the investigation criteria. It is being viewed as the borrower not being able to adhere to the strict terms and conditions of the loan offer, which state one has to move to capital and interest over the remaining period. The intention, however, was always for the interest-only arrangement to roll over, with a view to selling the property down the line or, if there were multiple properties, three to pay off the other two, for example.