Ms Jane Howard:

I want to come back to the Deputy's first comment. I do not in any way think that these are people who are not interested in trying to help. I think there might be fear of contacting the bank and there are all sorts of reasons. That is why we are urging people to get in contact with us. I have met people who are in arrears and people in NPL status. There is a range of reasons they get into that situation. At one extreme, there are incredibly sad situations or part crisis, and there may be illness and all sorts of reasons. We genuinely want to try to help those people. At the other extreme, when we have contacted people, we found that people have some money and they are able to get completely up-to-date with their arrears and get onto a sustainable solution. We do not judge anybody at all. It is all about trying to see what we can do to help them, and we do all of that before we do a sale.