Mr. Jim Brown:

The number of our customers in the courts process is not 50%. We had 20,000 customers who were in arrears 18 months ago. That number has reduced significantly. Ours is the only bank that has had decreases in the number of customers in arrears for 19 months in a row. It is also the only bank that has had 8,000 customers who were in arrears but who are now up to date, current, in their repayments. Part of this has come about as a result of the fact that we hired 175 people in our Scottish operation to deal with arrears. The reason we had to do this was we could not find any experienced collector in the Irish market.