Mr. Richie Boucher:

However, we are never satisfied. We must keep improving and ensuring we propose solutions with customers who are in arrears. In nine out of ten cases where a standard financial statement, SFS, has been completed, we can offer resolutions.

Up to 86% of resolutions are adhered to by customers. However, in all of these matters we have to keep on improving. We still have a high level of defaults. While these defaults, relative to our State-owned competitors, are of a different quantum, they are still very high. We still have a number of customers who are in challenging circumstances whom we have to help restructure. Where we cannot help them, we have to move it on. We are not in any way complacent or self-satisfied on this issue. We have to continue to make progress.