Ms Jane Howard:

The Deputy referred to the future loan sale. Let me give a little colour. As I said earlier, we are absolutely committed to contacting our customers even more, up to 18 times over two months, to see if we can help them to get onto a sustainable solution or another option. That is very important because we are exploring everything first. We have contacted nearly 10,500 customers in recent months, 2,500 of whom are in the early stages. Some 5,000 of those are engaging with us and are co-operating. I am using the word "co-operating" because that is the CCMA definition. Of those 5,000, some 4,000 were offered a long-term solution and 1,000 were looking at different options. We then have nearly 3,000 customers who are not contacting us and not engaging with us. That worries us because we believe, based on the 5,000, that if people contact and engage, we may be able to help them.