Mr. David Hall:

The Central Bank has varying levels of detail that it publishes quarterly. It stemmed from a total number of more than 40,000 in arrears and 23,000 in long-term arrears. A startling figure, which was announced last week, was a 60% increase in the figure for arrears under 90 days, which was published since last year. There are a number of loans. Pepper and some of the other funds account for 80% of the loans that are in long-term arrears. We have given 80%-----