Mr. Eamonn Crowley:

That is a question for Pepper. However, within our interactions with customers, some have improved by reducing the level of warehouse while some have remained the same.

Customers who did not meet the terms of existing arrangements were not in this portfolio. In fact, some of them were in the Project Glas portfolio, which was the previous portfolio. These are customers who are meeting the terms of the arrangements that have been set forth and who are engaging with the bank in respect of where they are in thinking of the bullet repayment or the outstanding amount they have to service in due course. Some customers improve in this interaction and some stay the same.