Ms Jane Howard:

The full extent of that will come out after 22 March. At the end of December, 52,000 of our customers had credit cards. Of those, 12,00 are not active at all and another 16,000 pay off their balance every month and will have no problem at all in clearing their balance and getting a new credit card. That leaves just over 20,000 customers who do not want to pay off the whole amount outstanding but we can see they are paying an amount. The issue we will need to understand is whether, when they apply for a new credit card with a different provider, they will get a credit card that clears the debt or not. We do not know the answer to that at the moment. If the committee wants that information, we will have to come back when we know how the position will crystallise. The important point is that if anybody is in difficulty at that time, they should engage with us so we can understand how to help.