Mr. David Hall:

That is a question for the Central Bank to categorise. It is a very important question because there are many people who are under immense pressure but are doing the right thing and there are some who cannot. The Central Bank has those numbers. To be fair, the banks and vulture funds have given the Central Bank the numbers of people they believe are in difficulty and cannot fulfil it and those who are meeting those obligations. The obligation between 4%, 3.9% and 7.25% is a huge gap.