Mr. Ed Sibley:

In terms of the experience since the previous crisis, it has been estimated that 200,000 mortgages had some form of restructuring due to the degree of distress coming out of the previous crisis. There are still some legacy issues, unfortunately, and some borrowers are still in deep distress. The vast majority of borrowers who engaged with their lender were able to achieve suitable restructuring solutions to support them at the time. We expect that to happen again and at pace, although there are real challenges with the uncertain environment that we are faced with. What is key is that there is strong and effective engagement between the borrower and the lender. We will continue to push the lenders very hard to make sure that they are able to engage, that they are engaging effectively, and that they offer solutions that are appropriate to the borrowers' circumstances, but borrowers also need to engage with lenders.