Ms Jane Howard:

I would not describe them so much as a write-down. We look at the entirety of the customer's circumstances. Age is taken into account, given we all have only so many years yet to work.

We look at where they are and what they can afford to pay and we use different tools to see how we can get the customer to a performing basis at an amount they can afford to pay each month so they can remain in their home. It might a term extension or some element that they can find some cash from a relative and we can share-----