Mr. Barry D'Arcy:

In total we have provided about 6,400 payment breaks to customers because of Covid. About 73% of those customers came back to normal payment thereafter and about 19% required some further restructuring or forbearance. Thereafter a small number may require some further support if they are in arrears now. We are still working with those customers. We put in place a certain element of provision of that time . We have released some of that provision but we have retained a large part of it at the end of the day. It is a mixed element at this point-----