Mr. Richie Boucher:

First, regarding our forbearance solutions, it is important to bear in mind that one of our key desires is to ensure that if a customer needs forbearance, it is before they go into arrears. It needs to be taken into consideration that forbearance costs the bank money. We reach out to customers, saying to them "If you feel you have a financial problem that could negatively impact on your ability to pay the mortgage then we encourage you to come to us before you go into arrears." Our forbearance policy is very much aimed at that, so I do not think we can dismiss them. I just wanted to make that point.

I will ask my colleague Mr. Mason-----