Mr. Stephen Mason:

It is a general point which has been discussed at the committee before over the years. If we look at the number of owner-occupier repossessions this year, it is a very similar figure in the first six months of this year as it was in the first six months of last year. However, over the past two and a half years the number of owner-occupier customers who have been in arrears for more than two years has reduced by 45%. We are seeing a significant reduction in the number of people in difficulty. We are not yet seeing an increase in the number of repossessions. Whether we will do so remains to be seen.