Mr. Stephen Mason:

We always ask our customers to talk to us if they find themselves in emergencies. That gives us an opportunity to accommodate them and ensure they do not go into arrears. The Chairman is asking whether we would adjust one of our forbearance options to accommodate someone who encounters an emergency. We would do so as that would be the practical thing to do. When we put forbearance solutions in place for our customers, we make sure they do not come down to the last euro. We ensure our customers have the flexibility they need to deal with small emergencies that arise. If the forbearance arrangements put in place are too minimal in the way they are applied and too tight for customers, it will be very difficult for them to stick to them. We try to make them as flexible as possible. We ask customers to talk to us if they are experiencing difficulties like those mentioned by the Chairman in order that we can put a changed arrangement in place.