Mr. Ed Sibley:

If I could supplement briefly, we are very focused on the issue of both SME and mortgage distress. We recognise the importance of SMEs in their own right but also in terms of the wider economy and employment. We have similar expectations about what is happening with the lenders in terms of engaging with their borrowers. Typically, certainly historically, there was more flexibility with potential restructuring and more imaginative solutions perhaps being put in place for SMEs. There is also a high degree of judgment around the future path of income for SMEs but we are expecting, and continue to engage on, both mortgage and SME distress arising from the pandemic.