Mr. Jim Brown:

It is important to point out that we employed 200 people or thereabouts in Scotland because the pool of experienced collectors available in the Republic was small. The people we have employed generally have four to five years of experience and know how to handle discussions with people who are in financial arrears. As a result and alongside the solutions that were put in place, we have seen a significant reduction in arrears in the past 12 months. Having an operation in Edinburgh has played an important role in that regard. Those 200 people are only handling early arrears of up to 90 days. The people on the ground in the Republic handle the longer-term arrears.