Mr. Jeremy Masding:

There are two or three principle points involved here. Since 2013 we have set out, to the best of our ability, to keep people in their homes and to find the correct way to treat them. I should also say that for both Project Glas and Glenbeigh there is an outer perimeter of mortgages and we go through a process to try to get to the cleanest portfolio. As Mr. Crowley said, through the course of this year, in both transactions, using mortgage to rent as an example we have taken customers out of that original perimeter and put them in a mortgage-to-rent solution. The same applies with bankruptcy and insolvency.