Mr. Brendan O'Connor:

In terms of the letter that goes out, it advises that the individual concerned is entering a legal solution. He or she has not engaged and there are, as I noted, nearly three years of arrears on average. The individual made no payments and we have not had contact. The only way one can exit that legal solution is by engaging with us to come up with another solution. One cannot move from a legal solution into something that is unsustainable. To the extent that somebody moves out of that, he or she will go into a different category.