Ms Fiona McMahon:

The case clinics that we conduct for customers have been very helpful in allowing us to examine every customer's unique set of circumstances and, therefore, the solutions that will work best for him or her. That is why we believe we have got a good outcome in having four out of five customers engaging.

Let me touch on the Deputy's question on the code of conduct on mortgage arrears. The code is a requirement; it is not something that we would view as optional.