Mr. Dermot Sreenan:

We are referring to areas where, when the loan is transferred, it could be contested. That is what happens when somebody engages with MABS. Often the dedicated mortgage arrears adviser will make contact with the nonbanking entity to establish the exact nature of the loan, ensure that it transferred in its entirety and determine what is liable. We will then put together a standard financial statement and state what is affordable for the MABS client to pay. That is where we get into bilateral meetings with the nonbanking entities to try to come to an agreement where we can put people into an alternative repayment plan.