Mr. David Hall:

No. If people are under pressure, Pepper will reduce it. Mars Capital will also. Those are the two that have been most engaging in relation to interest rates and will look at fixing them and reducing them, by 2%, for those who are eligible.

Hopefully, the rot has stopped - the rate rises have stopped. We will hopefully see a decrease. There is not great excitement about that at the moment but I would say the most important thing with anybody in difficulty is that they must engage. There is MABS, there is the insolvency service and there is ourselves - the Irish Mortgage Holders Organisation. We receive referrals from all of the members' colleagues all the time. They do not, and should not, do it on their own.