Ms Jane Howard:

What we are doing is that we are freezing the accounts where we believe there is no reliance on their accounts as their main bank. However, if the customer contacts to us to say that there is reliance, we can unfreeze that account. We can understand what help they need, because we have looked at the accounts and the activity is coming down on all those accounts, to see what more help they need. We are doing it in that way as an extra step and not going straight to closure.