Mr. Jim O'Keeffe:

Unfortunately customers face difficulty every day, so even though we have significantly reduced the legacy issues of our customers in difficulty, we have a team of people who are available and are proactively going out to customers in some instances to identify issues. When customers come through, we have a suite of solutions that support customers in the short term. One of the lessons that we learned from the previous crisis was that we needed to build in a lot of information systems to give us early warning of stress coming into customers' performance. We are not seeing anything coming through on that but we are watching it very closely. However, it is part of our day-to-day activity to support customers who are in arrears. We see at the moment that the vast majority of those who receive early support come back out of arrears and we bring them through as performing.