Mr. Stephen Bell:

Yes. Our average mortgage is €164,000, so we are not talking about €250,000 or €300,000 situations. The average amount of unsecured credit that our customers who are in arrears are carrying is approximately €11,500, but the cost of that is at a much higher, much more profitable interest rate for the unsecured lenders over a much shorter period. The unsecured credit is usually what creates the financial pinch point for the customers. In all the situations we have seen so far, by dealing with the unsecured credit and taking that burden away from the customer our share of restructuring the remaining debt does not require any write-down.