Mr. Liam McLoughlin:

No. In the case of arrears capitalisation, this is where we worked with customers using one of our existing solutions such as a term extension. The person must prove over a period of six months that he or she has met the terms of the arrangement with the bank. We agreed as part of this that we would capitalise some arrears of those concerned because they had shown a track record of performance. We have worked actively with the customers involved.