Mr. John O'Beirne:

It is exactly as the Deputy characterises it. The decision is unique to the specific circumstances. If a couple with that income profile has a substantial personal loan that is taking a large amount of their net disposable income to the extent that we cannot see a sustainable way for them to be able to repay a mortgage, that would be a factor in our decision. It depends on income levels and debt amounts. It is all taken into account but it is critical for us and for the borrower that any new debts being taken on are sustainable in the context of overall financial well-being.