Ms Paula Duffy:

Certainly. I cannot drill into the component parts but I will give a sense of how the 150,000 is comprised. On the mortgage side, we have a stabilisation period for some people, whereby they have a short period of interest-only payments. Then, in the longer term, there can be term extensions or capitalisation of the arrears with some element of term extension. Our split product, which the Senator mentioned, has an upfront ability-to-pay element. We compromise on an element and we have a stretch element so, in the event that circumstances improve, the customer has the ability to absorb that.

On the wider front - and we touched on this as part of the opening statement - we have positive equity sustainable solutions, which are included in the numbers, and a low fixed-rate product so the customer is afforded the opportunity to pay a low rate over a three-year or six-year period.

Outside of that, for bigger SME-type borrowers, our primary objective was to ensure that the viability of the business was maintained. In that scenario the debt was right-sized and there was an element of compromise based on some element of performance over a period. That is probably the widest encapsulation as to what the 150,000 includes.