Mr. Jeremy Masding:

As I have answered three or four times, the Deputy can expect, as we go through the stock of long-term arrears customers, that at the end of a process it is banking practice across the globe that bank CEOs write off debt. I have said on the record, even at the results last week, that we apply that banking model. If at the end of the process it is right that we use some of that provision to write off debt, we will.