Mr. Jim Brown:

Since the amendments to the code of conduct in December of last year, we have been able to increase our contact with customers. As a result of that, the number of customers who were not engaging has fallen significantly. In fact, that number has halved since late last year. As highlighted by Mr. Bell, the key from our perspective is to be able to contact customers in the first instance. We have now reached 71% of those customers. Another thing we want to do is get them back into some sort of repayment habit. In other words, get them back into the habit of paying and then we can work through solutions with them. That has been our approach to addressing the mortgage arrears issue. As a consequence of that, we are starting to see our overall arrears come down. That has been the case for the past five months.