Mr. Stephen Bell:

Something in excess of 80% of them were for a payment in excess of the original principal interest. There are a number of cases - these were included in the slide attached to Mr. Brown's opening remarks - in respect of which we have agreed a revised payment that is lower than the original monthly payment. We have chosen not to include those in the target for now but we are working through that exercise with our board and we will be coming back to it before the end of the Q3 targets. The majority of those payments are where customers agreed to pay back at least the monthly repayment.