Mr. Cormac Ryan:

Usually these processes are open and transparent. We need to explain all the various options that we have looked at and we will set out what we think they customer can do. In an extreme case, if somebody has had a windfall and suddenly can pay it all but does not want to change their mortgage repayments whatsoever, then this is a potential issue and we would need to work though that with the customer. I do not want to say what we would do in every single circumstance because each is different.