Mr. John Moran:

It is almost more by category of bank than anything else. For example, some companies like Permanent TSB have referred to their mortgages in certain books by category. Springfield books are typically of a similar type as opposed to their normal mortgages. In regard to those mortgages, those institutions are very often taking the lead in implementing some of the other schemes in place, like the mortgage to rent scheme. In terms of the size of the house and the person's income, in many ways they are more typically suited for some of those schemes, like the mortgage to rent scheme. We have therefore seen greater traction from those lenders over the course of the last six months in working through those schemes and using up the capacity from the Department of the Environment, Community and Local Government in moving people on in that respect.