Mr. Stephen Mason:

We consistently encourage customers who are in financial difficulty, not those who are necessarily in arrears or in default, but those who are finding difficulty in making their mortgage repayments, to come and talk to us. We have done a significant amount of television advertising asking customers to do that. We have put it on bank statements when we send them out to customers. Forbearance is not just for customers who are in arrears. We are asking customers to talk to us before they come into arrears if they have significant financial difficulties, and if it is appropriate, we will restructure their mortgages. That is what we have been doing over the past while.