Mr. Stephen Bell:

Relatively small numbers are concerned and the reason is we want to put further investment regionally to support customers where they are, as opposed to where we are. Consequently, we have done some analysis to show there are certain counties in which there is a disproportionately high number of arrears cases and we want to put the resources there, as opposed to having it all in one centre in Dublin. It simply is a question of shifting the balance, not taking the numbers down.