Mr. Kieran Wallace:

I understand those concerns entirely from individual mortgage holders. Indeed, Mr. Richardson and I have spoken to many of them directly. As liquidators, we have a job to do, which is to sell the assets for the best price we can for the benefit of the creditors, which I alluded to already. The only other thing I would say is that this is not the first mortgage book that has been sold in Ireland. Our experience on the ground is that we have seen no material difference in the way the buyers of those books have dealt with and handled customers post-acquisition than with any existing Irish bank.