Mr. Cormac Ryan:

The CCMA is quite specific in the context what we should do. I would like to make a final point. As stated, there are three possible outcomes. There could be a material disimprovement. I think that where we are, most people have either been neutral or have improved. Obviously, every circumstance is different. If we come across a customer whose circumstances have regrettably disimproved, we need to work with him to deal with that. We look at the alternative repayment arrangement to see whether the split, as currently arranged, is suitable or whether we need to make an additional change to the portfolio to make it affordable. All of those three outcomes are available.