Mr. Jim O'Keeffe:

Yes, they were. There are two categories within that. We went through an extensive period of engagement and all the various solutions we talked about, including the fact that we reinvigorated the mortgage-to-rent piece. For a long number of years, we created a number of solutions. We had a programme of engagement with the borrowers and, at the end of that, we had a group of customers who were not engaging so as to allow us to agree solutions with them. Those cases were sold on. They make up the vast majority.

In addition, there were customers with whom we reached solutions, under what we call the positive equity sustainable solution and the low fixed-rate solution. There were approximately 1,500 or 1,600 customers. We had reached a solution with them-----