Ms Derville Rowland:

We get the data from the lenders and it takes time to verify those data. When we issued the final report, it was based on the data we had on 31 May. We had line of sight of some customers who were not included in the final report because their data were not available to us. There was a time lag between the data that we could reliably use and the information that we had. Our experience over time has been that the numbers coming from the banks can change because they can double count or there can be omissions. That is one reason.