Mr. John Hogan:

-----in the period 2013 to 2017, inclusive. That figure is cumulative over that time. In the context of the review that we are about to undertake, there were a number of recommendations in the Thornhill report, including the issue of deferrals and how they have been managed and administered and the rationale and reasons behind them. In the context of our analysis of the impact of those recommendations, the issue of deferrals will be considered in detail by the group in due course.

That work has yet to commence though. It will commence next month.