Mr. Jeremy Masding:

I can offer some help. The Deputy knows we were quite slow out of the traps; that was a conscious choice because we wanted to do the best data analytics we could to find the right cohorts of customers and give them the right treatment. Ultimately, we are trying to bring certainty to people as quickly as we can. Once we found the right cohorts through data analytics, we allocated resources against a particular group of customers. I would like to think we have got that right, give or take some cases, when we consider the number of non-closure treatments we have put in place. Our data indicates we are now moving to the cohort of customers which may be more difficult to engage.