Mr. Jim O'Keeffe:

Very often, if we have disposed of assets or dealt with the wider debt, it could be through consensual or the legal process, then you look at the residual debt to see what is sustainable by the borrower. It is down to affordablity by the borrower. If it is deemed uncollectible, I think Deputy Durkan used a good word in relation to it, then there is no point in our pursuing it and we will write-off that element of debt. If we can see there is affordablity there, to be fair to everybody, we will seek that the borrower repays that debt in a structure or repays it as a lump sum.