Mr. Stephen Mason:

No, that is certainly not what we hope. If we return to our process, we go through a significant process with customers, where we try to get them to engage with us and to complete a standard financial statement, SFS, for us. We do this by way of phone contact and written correspondence. If the customers do not do this and do not provide us with the information we require to make a restructure offer to them, we go into what we call our non-co-operating process, where we write to customers and give them more time to try to give us the information. We tell them at that stage that if they do not give us the information, we will have no choice but to go into the legal process. What the Deputy sees with the numbers here are customers where we have had no choice but to go into the legal process. However, we are hopeful, and have seen evidence, that some customers will start to engage and to provide the information required at that stage. Therefore, it would not be right to say that all of these properties will end up in legal repossession.