Mr. Stephen Bell:

I will add one thing. Under the mortgage arrears resolution process, all customers have the right to appeal if they believe the decision made is incorrect. That process will also have been exhausted before the 123 cases concluded. To put that figure in context, it is less than 0.5% of the total number of people in arrears of more than 90 days. It is not a significant number of people given that it accounts for less than 0.5% of customers.