Mr. Richie Boucher:

Regarding the mortgage arrears target, as we said, the number of customers in arrears and default has reduced. The forbearance we provide and characterise in our accounts is also set out in the accounts, which show exactly the number of customers who have been forborne outside the MART and its specifics, which pertain to Central Bank targets and measures. The fact of the matter, as our accounts demonstrate, is that the number of customers in arrears has reduced, as has the number defaulting. The number of forbearances we have in place has increased. Some of thee are obviously connected to a recovering economy. Some are obviously connected to people being able to deal with unsecured or other debt, while some have to do with the actions we have taken. In any situation there is a combination of factors. I completely agree with the Deputy in that regard.