Mr. Stephen Mason:

On the legal process, I do not have a breakdown in terms of how long people would be in arrears. First of all, however, everything we do is in compliance with CCMA. So it will be after the CCMA timelines have elapsed. In addition, it will be after significant attempts to contact the customer, as I outlined earlier, by phone and by letter by our centralised collections unit and our localised collectors. It will be after we have spoken to customers in terms of our non-co-operating strategy, which I also outlined earlier. When that is exhausted and we have not obtained the information we require in order to make a forbearance decision, then we will hand it to a solicitor to make a demand for possession. That is what we classify as legal process.