Mr. Shane O'Sullivan:

The bank will always advise people to take legal advice. That is really a question for the Judiciary rather than for the banks.

On the second point concerning houses sales, we have a panel of professional agents appointed. They go through a competitive process before they are appointed and then work to a contract and service level agreement. When they are selling properties on our behalf, they must achieve the open market value or we will not sell the property. There are documented guidelines and audit trails for any agent who works on our behalf to sell properties.