Mr. Brendan Burgess:

I apologise. I thought the Deputy said they only pay interest on the remainder. They actually pay capital on the remainder. In fact, they end up in a situation where they pay capital off the mortgage. I do not mind that happening in cases of deep negative equity, but the point I am making is that in cases of moderate negative equity or positive equity, the borrower should not get an interest write-off in order that he or she can repay capital.