Mr. Stephen Mason:

Mr. Boucher gave an example of several hundred that are at civil bill level. Some are at unexecuted possession order stage in that. I do not have a breakdown. In our case it is highly unlikely that there were three years without repayments before we got to this stage. I would have thought that they would be beyond the demand stage and they would be somewhere deeper in the legal process, unless they were held up by the Dunne judgment which meant we could not have progressed them in the legal process. I have not looked at it in that way. We just make sure that we are compliant with CCMA and that we have given the customer every opportunity before we instigate the legal process. Even when we do so, we would still be hopeful that the customer will engage with us and give us the information required to make a restructure of their mortgage.