Mr. Cormac Ryan:

I mentioned the first step earlier when I described the Glenbeigh portfolio. All the customers in that portfolio went through distress on their mortgages at some point in time. Their mortgages were in arrears. I have already recognised that approximately 6,000 borrowers fall into this category. All of them are now under the protection of the CCMA. They are under alternative repayment arrangements. I stand to be corrected, but my understanding is that well over 95% of them - perhaps 98% - are performing to their new arrangements. They already have a treatment. A team has already engaged with them in an effort to find a solution to the situation they are in. While they are now back in an affordable position, and hopefully some of the distress of the situation they have been in has been taken away, the issue is that a lump sum is due to be paid at the end. For 86% of them, that will be ten years or more into the future. We will engage with all those customers when we have review periods. We work with them sympathetically, constructively and positively. We work through all our different arrangements to see if there is something that works for the borrower and is realistic. It has to be realistic and fair. It has to be in their best interests. It has to be something that might help them to chip away at the sum to reduce how big it will be at the end.