Mr. Shane O'Sullivan:

There is always room to do more. I am that sort of person. Things can always be better. We have offered 30,000 of our customers long-term treatments. The Chairman should remember what the treatment does. It means we were able to avoid the idea of repossession back at the height of the crisis. We offered 30,000 treatments. We have the largest market share of split mortgages. We have offered 45% of all the split mortgages that have been offered through the crisis. I look at how many of those restructures are in place and working. I receive letters of complaint but I also receive letters of thanks. We complete research with customers who have been through our process and by and large, it is favourable feedback that we get from customers. I also look at some of the innovations we have brought to this area in terms of voluntary surrender and debt write-off. We offer solutions to buy-to-let customers and home loan customers who are willing to engage with us and in lots of cases we have written off debt. I also look at the efforts we are trying to make in terms of mortgage to rent.