Mr. Stephen Mason:

The Deputy asked a number of questions. I apologise if I miss anything, but I do not intend to do so.

First, I wish to mention one slight thing which will not change the Deputy's figures too much. September is the base, rather than December, in terms of percentages. That detail will change the figures slightly, but not by much. That is the way the market works.

Receivers for rent in the PDH book are for buy-to-lets. They are properties that were originally owner-occupied properties but then they became buy-to-lets.