Ms Kathleen Stack:

According to our on-book debts, which I discussed with the Chairman earlier, approximately 90% of the people who are getting a payment from us at the moment and who have received an overpayment are repaying us. That is since 2012. We are gradually going back through the years. The main issue with debt recovery is that the quicker it is done, the better the chance of success. If it is left for a longer time, it gets harder to make the recoveries. In recent years, we have been trying to concentrate on more recent debt, but we are working our way back. Among people who are receiving a payment from us at the moment, a high percentage are making repayments. We have a legislative basis for this. There is a basis under social welfare legislation for us to take up to 15% of the personal rate, and we do that in certain cases. We try to agree a repayment plan with people who have been overpaid, but there is a provision that allows us to take 15% of the personal rate if someone does not co-operate with us.