Mr. Paul Stanley:

On private dwelling homes, the rate runs from 12% if the customer has never been in arrears or financial difficulty. If impacted customers were previously in arrears, it is 13.5%. Likewise, with customers in financial difficulty and entering the process of restructuring arrangements, it is 13.5%. If the impacted customers have previously engaged with us in legal proceedings, it goes to 15.5% and for impacted customers who have lost ownership of their property, it is bespoke and it is €50,000.