Ms Jane Howard:

In terms of our non-performing loans, we submit to the regulator on an annual basis a forecast of what we are going to do. We have submitted that this year. Our priority at the moment is helping customers to get on to long-term solutions. Even though we have always contacted customers, we are now putting additional resources into contacting everybody to give every customer the opportunity to engage and co-operate with us so we can see if we can help them.