Mr. Eamonn Crowley:

I will respond and then pass to Mr. Farrell. It has been in the public domain in recent weeks that we announced we could not provide any more exemptions at the moment. This highlights that we have been supporting customers in this area by providing exemptions. There has been demand for us to provide support for customers in this area. We announced that we are in the process of using up our exemptions, particularly in the loan-to-income area, of those rules. The situation is that we are out of those exemptions for the next number of months until we see how things go. I will hand over to Mr. Farrell to provide some additional detail on that.