Mr. Jim Brown:

A total of 72% are on trackers. During the same period, as a consequence of the rates coming down, the repayment on the average loan has reduced by 31%. The point I made in my opening remarks was that, in our experience, there has been a strong correlation between unemployment and mortgage arrears. The point we are highlighting is that it seems several factors may have contributed to those arrears continuing to increase while the unemployment rate or repayment rate are coming down.