Mr. David Duffy:

It is a mixture. As I read out the last time, if 25% of the people who wrote to us explaining their income and expenses in a statement, who according to our criteria of them being able to afford to pay their mortgage at levels above the ISI, were not paying it, we believe they have made a decision not to pay. Similarly, if they have been borrowing money for a buy-to-let property and there is income on it and they have paid zero in the past six months, we believe that represents a conscious decision not to pay, despite them having the income against that asset. If we see people within the system who have cash amounts on deposit accounts, not current accounts, in excess of their arrears we believe there is a capacity to pay but they have made a decision not to pay.