Mr. Lorcan O'Connor:

If people are already meeting their obligations, albeit because they have cut their cloth almost too tightly to meet their current situation, it sounds to me as if there is the capacity or potential to do a deal, short of any insolvency process. On the specific question, one would assess the reasonableness of the outgoings with reference to the guide we have produced on a reasonable standard of living and living expenses. That would be the first stage in that process.