Mr. Jim Brown:

The first point is that the vast majority of people in Ireland are actually paying their mortgages. Fully 81% of our customers are actually paying. We have 19% of customers who are experiencing financial difficulty and the vast majority of those have entered into some arrangement with the bank. As we mentioned earlier, there is a portion, 35% of that 19%, who have not engaged with us and are not paying anything at all. The point is that 80% of customers are paying their mortgages and we have entered into arrangements with a significant proportion of the 19%.