Mr. Bernard Byrne:

I will make some introductory comments and then hand over to my colleague Mr. O'Keeffe.

We have talked a number of times in the past about our having adopted, quite a while ago, an approach basing all the decisions in individual cases on customer affordability. We have been active in coming to compromise arrangements that right-size customers' debt when they engage actively with us. There is plenty of evidence to suggest that is exactly how we have gone about dealing with the issues customer by customer. Mr. O'Keeffe might give a little more flavour on that.