Mr. Stephen Bell:

I will come in on that. We offered the information earlier that of the 4,300 cases where we have initiated legal action, approximately 20% have now re-engaged. It is not despite the fact that they are engaging that we have taken legal action, it appears to be because we have finally been able to take legal action that we have encouraged engagement. A high proportion of the 4,354 cases will result in a mature and sensible conversation between us and the customer such that we do not have to go to the end of that process. However, unfortunately there are still 2,851 cases where we have not got as far as the legal process and where we are unable to establish meaningful contact and we are not getting payment.