Mr. Jim O'Keeffe:

I refer the Deputy to Dr. Hunt's statement and how he referred to duration in terms of where we are at. It has to be recognised that today, we still have over 1,500 people available to restructure and work with customers. As part of that process, we write down debt and we right-size loans. It has to be recognised at some point that we are working with customers. The sum of €500 million has been moved out of the portfolio since we commenced this process. There is much talk about customers being loyal and making payments etc. We are affording every opportunity to the customers. Our discussions often move directly to discussion about purchasers etc. For us, meaningful engagement is critical as with meaningful engagement, we can find solutions. The Deputy has previously acknowledged that we have reached out in that regard.