Mr. Jim O'Keeffe:

As I said, we have had a policy of writing off residual debt if required. We have spoken much about the regulation around reaching NPL levels, etc. There is also a significant focus by the Central Bank on consistency. We have to look at the affordability in those cases. That is why I cannot give the Senator an absolute. There could be a situation whereby there is affordability. If we just write off that debt, then one customer could be actually disadvantaged versus another. It is our policy to look at debt write-off as a solution as part of voluntary surrenders.