Mr. Jim Brown:

I thank the Deputy for the comments. In terms of the specific question, we did include a significant number of legal cases in the reporting of our quarter two numbers. That was the result primarily of customers who have not engaged with us at all. Separate to that we have 4,038 customers who are on long-term arrangements and we have another 511 who are on short-term arrangements. As we mentioned earlier, we chose to take a very conservative approach to what we included in terms of it being a sustainable solution or not, and hence the reason we have reported the lower figure but, overall, we have over 4,000 customers who are in a long-term arrangement with the bank outside the legal process. I do not know if Mr. Bell wants to add any further to that.