Mr. Jim Brown:

We expect there will be significant re-engagement by the customers involved in that process. As I mentioned in my opening statement, 50% of people already in the court process are re-engaging with us. We hold the view that once they re-engage we can put in place solutions that will enable the vast majority of them to remain in their homes. This is evidenced by the results of our process. Ultimately, there will be a small minority of property repossessions, in respect of which there may be elements of debt outstanding. We will look at how we propose to treat that debt at that stage. The intent is to work through solutions with customers so as to keep them in their homes.