Mr. Conan McKenna:

No, I am saying it is a contributing factor, as are the improving economy, the legislation we brought in during 2015 to remove the bank veto on personal insolvency arrangements and other legislation we brought in, including legislation concerning bankruptcy. I am not claiming anything in particular, but it certainly looks as if things are improving significantly, particularly in recent years and in the chronic area of arrears beyond 720 days. Numbers in that area have been coming down since 2015 and were going up until then.