Mr. Brendan O'Connor:

I would stress that it is not a static number per se. The make-up of that number is not directly comparable with the figures in quarter 3. We have had new people go into the category of being 90 days plus in arrears and we have had people who have exited the category. One of the reasons, as the Deputy will have seen, is that we had people who would have entered arrears for the first time in the past number of months. Then one tries to stop those people escalating beyond 90 days in arrears.