Mr. Richie Boucher:

I would first of all point out that in practice people do not tend to go to their Deputy when something has worked. The statistics show when talking about mortgages that in nine out of ten cases and this is verifiable information, we can provide a solution to the customer that is a higher proportion than our competitors, despite the fact that our book is demonstrably better performing. In nine out ten cases where we have offered a restructure, it has been accepted and they are performing.