Stephen Donnelly (Wicklow, Independent)
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I am sorry to cut across Mr. MacSharry but I have very little time remaining and this is a very important point. As a public interest director. he might answer, as might Ms Hayes, in respect of that example an individual who borrowed €400,000, can service a mortgage of €250,000 and her personal insolvency professional recommends that it be €250,000 and recommends that Permanent TSB brings down or surrenders €150,000 of the debt, and all legal hold on that, for her. Is that Mr. MacSharry understanding in this respect and is that what he, as a public interest director, would represent Permanent TSB should do in this case?