Mr. John O'Beirne:

If we go back and consider the scale of the impact, we are looking at impacted customers who were never in arrears but may have had a lower amount. It is the 5% plus the 10% subject to the minimum amounts we have laid out coming up to 21%. As we move to customers who had moved into default, where we define default as 90 days of not making payments, if the bank had issued a demand letter we try to move customers to the worst ever position that they had been impacted to try to ensure that the compensation payment back out to them is at the highest level. As it moves to loss of ownership and the most extreme cases of direct causation of loss of ownership, we apply the additional compensation about which we spoke earlier.