Mr. Stephen Bell:

The 5,172 is made up of 1,048 long-term payment arrangements with customers and 4,124 cases where we took legal action. In the case of buy-to-let, it was entirely driven by rent receiverships appointed where the customer was not handing over the rent received from the tenant to discharge the mortgage. It is a matter of some concern to us that this is the proportion in which the target is to be met. We mentioned at some other forums that we have had some difficulty in engaging with all of our customers until quite recently. Given the need to demonstrate good faith to the Central Bank in hitting the targets, we have taken a fairly cautious approach in only including those things we know it would not disagree with.