Mr. Simon Crone:

It is invisible, although there is a strong alignment of interests for us to ensure that sustainable borrowers stay in their homes, so that we do not have to pay a claim. In practice, we work very closely with banks to ensure that all solutions are availed of and to try to help borrowers stay in their homes. As the committee has seen from our documentation, we have a strong track record of introducing global best practices to help keep people in their homes.