Mr. Jim Brown:

We need to acknowledge that 80% of customers are paying their home loans and are current or less than 90 days in arrears. Some 19% or 20% of our customers are 90 days past due. In the majority of cases we are working with those customers and putting in place solutions to help them work through their financial difficulties. A small proportion - one third - of that 19% of customers are choosing not to engage with us and we need to work through the legal process to get them to re-engage. The reality is that 80% are paying their home loans.