Mr. Shane O'Sullivan:

I do not have that figure with me. However I will give the Deputy a sense. On average it takes 32 attempts for a customer in this category to speak to us about his or her mortgage. That is an average figure, not a high or low figure. On average it will take 32 attempts for us to speak to the right party about the debt that is owing. That might give the Deputy a flavour of some of the challenges we face when dealing with customers who will not engage.