Mr. Shane O'Sullivan:

We have received the detail of that proposal in the past 24 or 48 hours. We will evaluate it and if it makes sense, we will be the first to go forward with it. My point is that the legal process which takes four years to complete is the worst outcome for our customers. It is also the worst outcome for us as a bank - on both a social and financial level. To the extent that we can come up with solutions or third parties such as New Beginning can do so, we are more than willing to consider them. The Deputy has my commitment - we received the proposal 24 or 48 hours ago - that we will give it due consideration.