Mr. Jim Brown:

This is why we advocate customers engaging with us if they are in that type of situation to come up with a solution and to work through the issues. The other point to note is that over the same period, as well as unemployment coming down, interest rates on trackers have also fallen. Let us consider rates in 2007, for example. At the time, interest rates were approximately 5% or 5.5%. Interest rates now for a tracker are approximately 1.5%