Mr. Jim Brown:

The key message I would like to leave with the committee on the 4,000 people who are in the legal process is that we want them to re-engage with us. Be it the mortgage to rent or some other solution, we are absolutely confident that we will have something there that meets the vast majority of customers in deep financial distress. Not only that, but in the majority of cases it will probably end up being cheaper than their rent repayment. For that to happen, however, we need them to engage.