Mr. Brendan O'Connor:

It gets probably better results on intractable cases. I refer to people who are scared and who, for whatever reason, have not wanted to face the bank. We have managed to cure some very deep arrears cases. In the year to date, we have cured approximately 2,000 cases that have been in arrears greater than a year, and some that have been in arrears of two or three years. It has proven very good with intractable cases. They give them a lot of one-to-one attention.

We expanded the service this year. It is a pure cost-recovery model. I will not get into the economics of it, but it is pure cost recovery. To the extent that the IMHO is a dedicated channel for AIB, EBS or Haven, they get a cost recovery, and we agree that at the start of the year. We did expand it to put additional people in. We are happy, as we stated at the committee last year, to the extent that it has more people coming through that channel. I would love to expand the capacity. If it achieves solutions, it is great.