Mr. Jim Brown:

I will be concise. We have 8,868 customers who are in an arrangement, of which 4,000 are in a formal arrangement with us already. Another 500 are in a very short-term arrangement. These may be experiencing short-term difficulties, so we give them a payment holiday for example. Another 4,000 are paying through an informal arrangement that has not been formalised with us yet. Separately, we have just over 3,000 who are not engaging with us at all, but we are attempting to engage with these before we go to the legal process. We then have another 4,900 who are in the legal process and another 1,000 for which we have appointed rent receivers. That is the broad breakdown. Therefore, there are approximately 8,800 in some sort of arrangement, 3,000 that are not engaging, 5,000 in the legal process and 1,000 with rent receivers.

I will hand over to Mr. Bell to explain how the 20% was arrived at.