Mr. Dermot Nolan:

I do not have formal figures in that sense - there are various data protection rules. Our sense from talking to the companies is that arrears figures are running certainly over 10% - maybe 10% to 15%. This has gradually risen over the last four years. There is some sense I think it has stabilised in the last 12 to 18 months, but it rose considerably from, say, 2008-09. We do a survey every year of customers. The number of customers who define them in arrears is much lower - it is 4% to 5%.