Mr. Stephen Bell:

These are typically longer term arrangements. They would not be short-term interest-only arrangements. They would be longer term periods of lower interest, capitalisation of the arrears or an extension of the term. These are arrangements that are far more permanent in their nature. It is fair to say that there is ongoing work involved in working with these customers.

This goes back to the point about engagement. We do not have a once-and-done approach to engagement. We ask customers to keep talking to us because we recognise that mortgage arrears typically mean general financial distress. Unexpected events can occur which may make a payment difficult to make in a particular month. We still work closely with customers who are on arrangements even though the arrangements are functioning effectively.