Mr. Eamonn Crowley:

We do the best we can. In some cases, for instance, we have to go through a full court process with customers in order for them to then realise the mortgage to rent is the right option for them. That is unfortunately part of the way things can operate, in that some customers want to go through that court process before they get to a mortgage to rent solution. In other cases we have reached agreements with customers around long-term arrangements for payment and that is a continuing discussion. All banks still have residual issues arising from the global financial crisis of 2008. The number of customers in our bank has reduced in recent years due to deleveraging and other solutions we have adopted.