Mr. David Duffy:

We do not have an exact amount by every single customer. We just know that within a population of 2,000, which we reference in our document, all of them have in excess of their arrears in deposit structures. We are not trying to be clever. We are just saying where we observe behaviours where there is clearly in our opinion not an interpretation but a fact of ability to pay and a conscious decision seems to have been made not to prioritise the mortgage payment that is a questionable outcome for us.