Mr. Jim O'Keeffe:

We must always return to the fact that we have diverted the attention of a quantum of the team to ensure we are working through our PDH, or family home, solutions. Our main message is that we want engagement because we have solutions. As we have stated previously, we are working through the wider portfolio of our assets, such as investment, commercial and so on, in order that we could allow the enhanced mortgage-to-rent scheme, discussions on charitable loan sales, etc., to take place and give us head room to achieve that. That has worked for us, although the committee will appreciate the difficulty we had with the connectivity of the recent sale, which was just described. As we go forward, beyond 2019, and as there are other targets, there is a real possibility that if customers do not come to us and avail of all the opportunities for restructuring that remain, the loan will form part of a portfolio of sale.