Mr. Jim Brown:

There are two key points that I wish to highlight. One is the calculation by which the 20% target was met. As we have stated already, a sizeable percentage of that was met through the legal route. However, over and above that, and not as part of the target regime, we have entered into 17,000 arrangements with our customers, some of which are pre-arrears, some of which are early arrears and some of which are more than 90 days past due. In these cases we have come to an arrangement with the customer to help alleviate the problem.

There are two separate points. There is a significant amount of action to get customers into some solution that will work for them in dealing with their financial problem.