Mr. Brendan Burgess:

We are aware that 24,000 mortgages are in arrears for more than two years. We are aware that many of those are, in my view, perfectly sustainable mortgages. These people are paying either in full, or they are paying the interest in full. We are aware that some 10,000 people have not paid for more than five years. I am down in the courts looking at the likes of these people, although in many cases they do not come in to the court. When they come into the courts they get adjournments and they pay nothing. If a person has-----