Mr. Stephen Mason:

I was just making the point that they could have been. Some of them would have been in early arrears and some of them would have been in the good book. The MART system shows where the people who were in default at the end of September were at the end of December. That is what the figures show. We have a lot more split mortgages than that. Some would have emanated from the default book previous to September and some would have started in the good book.