Mr. Jim O'Keeffe:

In reply to one of the questions earlier, we shared the voluntary surrender numbers. We have reached a point where the mortgage-to-rent scheme has been enhanced, and the solution we have put forward with iCare, in particular, allows us to deal with customers who have no affordability. If the property, therefore, fits within the categorisation of the social housing rules, as laid down by the State, there is an opportunity for the customer to remain in the home, and we share the details in that regard.