Mr. John O'Beirne:

It would depend on the individual circumstances. The short answer to the Deputy's question is "Yes", if a bank had availability within the macro-prudential lending rules. Let us suppose a customer originally borrowed a loan of 80% of loan-to-value. Let us then suppose that over time, depending on the value of the property and the mortgage, the customer looked to switch. He or she may require additional moneys for other purposes, whether it be house refurbishment works or whatever else. Under the macro-prudential lending rules, banks can provide up to 10% above-----