Mr Jim Brown:

One of the reasons that we showed the total forbearance arrangements on the template here is to highlight the fact that we are offering a wide range of options to customers in arrears before they get into 90 days which are not captured by the Central Bank statistics. Members can also see that in terms of solutions we have put in place such as the economic concessions and so on, we have put in place a considerable number of options other than those we report to the Central Bank.