Ms Michelle Byrne:

Just to say, the proposal as we understand it is still with the Department. We have not had formal communications to say it is off the table. We remain available to discuss that if there is a need. As Mr. Hayes mentioned, we understand the Department of housing is engaging with homeowners this week to discuss earlier payments under the scheme as it currently exists. We are waiting for formal communications back in relation to that product. If it turns out that it is not an option, then our members are willing to take it back internally within their own institutions to see what can be done in terms of a more targeted product. As Mr. Hayes said, we cannot discuss that at an industry level because of competition law but it is something that our members are willing to take away if our proposal is not given the sign off by the Department of housing.