Mr. Stephen Bell:

Our experience has been that where customers have started off with a lower payment, they have, over time, been able to resume more normal payments. We are reluctant to push people immediately from a situation where they might have missed a series of payments to paying the full amount in one go. We try to take a medium-term view and work with the customer. A good example would be where one or both of the borrowers have returned to training in order to re-equip themselves to enter the employment market in a difference place. It seems to us appropriate to support customers through that period, which might mean the payment would be lower while they go through that process of training or further education, before resuming at a more normal level at some point in the future. We try to take a medium-term rather than an immediate view of what is reasonable.