Mr. Jim O'Keeffe:

I do not know what is in the minds of the purchasers. The evidence we have to date is that the customers who have moved across have had the opportunity to engage. We all know from anecdotal and recent research and the review carried out by the Central Bank in terms of the operation of the code of conduct on mortgage arrears, CCMA, within the purchasers, that customers are being afforded the opportunity to engage.