Mr. Ed Sibley:

Clearly, anything that helps to keep people in their homes is to be encouraged. As I have touched on, for those who are willing and able to engage we are and will continue to push for solutions to be there for them. There is still a large number, and according to the half-year, 27,000 owner-occupier accounts that are greater than two years past due. So there is still a large number of accounts in the system that are very significantly behind on payments. Some of those will be engaged, some of those will be making some payments and some of them will not. Just over half of those are with the banks currently and the rest are in the non-bank retail credit firms and credit servicing firms.

We will continue to push, regardless of who owns the loan and who the lender is, that those entities are continuing to strive to engage. We would also encourage borrowers who are in distress to engage with the lender or use the supports that are available to them.

Some banks are selling loans that are in the legal process, and the legal process takes a long time in Ireland. We are continuing to drive the banks to try to fix the things on their books as well as not being overly-----