Mr. Shane O'Sullivan:

The Deputy is correct in that slides Nos. 2 and 3 refer to all arrears, not just those for longer than 90 days. They also refer to customers who fear they may fall into arrears but are not yet in that position. We are moving from a position where customers have been in revolving short-term treatments for lengthy periods to the point where we are making decisions on sustainability. We are seeking to include customers in long-term treatments.