Mr. Larry Broderick:

As we understand it, there are groups working to try to put together alternatives in this regard. The extent to which they have finalised their thinking on it is another matter. However, we understand, from representations made to us, that there are such people out there. My view is that they need to crystallise their proposition sooner rather than later and they need to be supported. Going back to the Chairman's previous point, the value I see in this is that they will manage this differently in the sense that there will not be a haste to get rid of the debt within 12 months. There will be a better opportunity to reach out. We have a vested interest in this because it will involve our people dealing with this for longer and, I hope, with a different value proposition, if that is the direction in which we want to go. There is an opportunity in this regard. I call on those who say they have opportunities to come to assistance sooner rather than later. The banks will be under pressure on the capital side to release those non-performing loans as soon as possible. This goes back to all the contradictions with which we are dealing. If we are going to deal with silos of banking, we will have capital doing one thing and individual institutions doing their own thing. In the end, the economy, the taxpayer, the customers and the staff will be too late to address the issue. This is why we believe some of these ideas are very welcome.