Mr. Jim O'Keeffe:

The customers who are in this position may be making some payments to the bank but they are not in any way servicing the loans. The reason we need the engagement is in order that we can come to an arrangement with the customers to see if the amount they are paying plus something else may be able to resolve the issue and we will then also write down debt where we can. The issue is that they are not servicing the loan. We will have reached out and tried to engage with them.