Mr. Shane O'Sullivan:

Yes. We make every effort to find a restructure. Once we can sit down and examine the income and expenditure, we make every effort to fund a restructure. This is the work we are doing now. Unfortunately, we do find it is necessary to commence legal proceedings to get engagement. After legal proceedings issuing, approximately 40% of our home loans customers and 30% of our buy to let customers engage. It is unfortunate that we must go through this commencement of legal proceedings to secure engagement that, ultimately, can help borrowers.