Mr. Jim O'Keeffe:

As the Deputy can see, the vast majority of customers that we sold through the loan sales had not agreed contracts or a restructure with us, after a prolonged period of trying. They are the vast majority. We reached a restructure with the 1,600, but because of definitions of non-performing exposures, the banks could not continue to carry those. When they were sold, they were sold in contract. The customers who were on the low fixed rate continued to have that fixed rate for the duration of the fixed rate, which was either a three- or six-year contract. That was honoured by the purchaser. The positive equity solution allows the customer, where he or she had positive equity, to continue either in interest-only or interest-only in part capital. We signed up to that as part of the solution. The purchaser will honour those, as well. In the vast majority of those cases, we were not being repaid and, therefore, the interest rate, as the Deputy describes it, was not an issue for the customer.