Mr. Stephen Bell:

Every time we talk to a customer about an economic concession, we explain the split mortgage option. In the vast majority of cases, there is a positive election by the customer for the economic concession product. We have been working on the mortgage-to-rent scheme and have managed, after 15 months, to conclude our first agreement. It is a very long and complicated process involving a great deal of negotiation with different parties. We absolutely are not resistant to that option but, as Mr. Brown said in his opening remarks, the ability to restructure loans to the point where the mortgage repayment is considerably less than the rent payable for an equivalent property means we tend to find solutions that do not require something like a mortgage-to-rent arrangement. As I said, however, we are open to that if it is the right solution.