Ms Jane Howard:

The important point I will make regarding our personal customers is that they are customers with overdrafts. They do not have a credit rating issue and are good for credit. In the vast majority of cases, we expect them to be able to get an overdraft with another organisation.

Let us talk about the problem cases. Where personal customers can get an overdraft with another organisation, that is fine. Where they cannot, that is when we need to support those customers. Tools are available to us that we use. We look at customers on a case-by-case basis. As I said, these customers are good for credit so it could be that they can get an overdraft with another provider but not necessarily at the same level. If these customers engage with us, we can understand what we can do in those circumstances. For example, it might mean that part of the overdraft is left with us and we agree a reduction programme with them. We are trying to help these customers. Our job is to try to maintain their financial position. We do not want to get to a place where we are reporting to the credit rating agency because we need to-----