Ms Jane Howard:

I have not got a breakdown. Ms McMahon and I join the case clinics where the individual cases are reviewed with the teams that have been engaging with the customers. There is range of preferences, however. Some customers might want to extend the term. Some might have found money from other sources. We see what we can do to make the debt manageable. There are other customers who choose to downsize. There is a range of solutions available. With each customer, there can be an individual solution or a mix of solutions on which we work. Would Ms McMahon like to add anything? It is not a particular theme.