Ms Francesca McDonagh:

I thank the Deputy. Obviously, we are in the business of lending. Mortgages are one of the most important and material parts of our balance sheet. We require people to have life protection when they take out a mortgage. I am not aware of any of the specific cases to which the Deputy refers. As always, the Deputy is most welcome to send me specific cases if there is a concern. I will give the Deputy a data point that may help demonstrate our commitment to helping people buy a home for the first time-----