Mr. Jim Brown:

From my perspective, and as I mentioned, there is definitely a cost to living in a home, be it a mortgage, paying rent or even social housing, and it is a reasonable expectation that people should pay something to live in a home, I could not tell the Deputy the percentage of customers who do not necessarily agree with that but the fact is that 35% of our customers who are in arrears today are paying nothing towards the cost of their home.