Mr. Tony McMahon:

We do not. Overall, prior to possession, many of our staff are regularly engaging with our mortgage customers. Legal proceedings are always a last resort and we continue to proactively engage right throughout the legal process with our borrowers, and any third parties advising them, to see if we can find alternative arrangements right up until the last moment. We discontinued legal proceedings in 164 cases which were very advanced last year. We continue to push and make every effort we can to avoid repossession.