Ms Jane Howard:

I do not want to repeat what I said earlier, but we are absolutely committed, and we have invested additional resources to reach out to all the customers we have in a non-performing loan status. Those are typically the mortgage customers, and we are committed to engaging with them and to trying to help them get on to a solution, which is ideally to remain in their homes.

In some cases it might be helping with mortgage to rent or assisted surrender so they can go into another home they can afford to be in but we are committed to doing that. Only when we have done all of that do we consider the loan sale.