Mr. Kieran Wallace:

We have 4,175 accounts which are in arrears from a total of roughly 10,700 PDH mortgages. Of that 4,175, approximately 3,270 are co-operating with us, as Mr. Richardson said. We correspond on a monthly basis with approximately 98% to 99% of all borrowers in arrears, but about 22% are not corresponding with us at all.