Mr. Jim Brown:

We have seen a reduction in the arrears in our portfolio over the last five months. While the figure for arrears of 90 days past due is still at 19%, it has decreased from where it stood previously. We stress test the portfolio to determine whether customers may be about to get into financial arrears and we speak to them about putting solutions in place. We have already done that with several thousand cases. We have been proactive in entering into arrangements and the loans remain current as a consequence. I ask Mr. Bell to speak further on the issue of stress testing.