Mr. Brian Hayes:

What we can do is bring best practice to all of the lenders and experiences. We are now on the second iteration of this scheme, as the Deputy knows. We may well have another iteration - who knows. The banks are working their way through this. I am sorry to use the phrase "case by case" but every single case is different because of the economic circumstances in which people find themselves and indeed the remediation solution that comes from the Housing Agency in terms of the solution that is there.