Mr. Brendan Mahon:

We do. We primarily try to engage with the borrower. The initial question is if we can get engagement with the borrower. We have a field team who will go out to try to have that face-to-face engagement with the borrower. Separately from that, we can understand that some borrowers are not comfortable dealing with the bank but there are other avenues that they can go through. There is the Money Advice & Budgeting Service, MABS, Abhaile, the Irish Mortgage Holders Organisation and iCare. There are other avenues and if borrowers do not feel comfortable talking to us, we encourage them to go through those avenues. We do not see something as being finished because it is in the legal process. If the borrower re-engages, we will look to see if we can get a different outcome for the borrower.