Mr. Stephen Bell:

In regard to the number of arrangements we declared as at the end of quarter 2, the total was in excess of the 3,784 in terms of those cases where the qualification was through legal proceedings. These were only where the case had been lodged with us, not where we had simply written out to say we might take legal action if something did not happen. We know this is not necessarily a universal definition, but it is the one we felt was most appropriate to the circumstances.