Mr. Brendan Mahon:

We afford people every opportunity to engage. We paused the legal activity in four out of ten cases last year because the borrowers had re-engaged, even at that late stage. In two out of ten cases, we stopped the legal process. The borrowers engaged very late but they still engaged. We are open to engagement at all stages. We will engage with anyone. We have engaged with people where the repossession order was about to be executed. There were approximately five cases last year where a repossession order was about to be executed and we now have people back on resolution options. We are absolutely open to engagement at all stages.