We do have a concern about the unwinding of all of these provisions. That goes back to our focus on communication and disclosure to consumers. We know that in the first wave of the pandemic, quite a lot of consumers, even if they weren't affected or didn't lose their job or something, opted for deferrals as a bit of an insurance policy.
We are reiterating to the banks that we expect them to ensure that they are disclosing all of the costs and the potential outcome for consumers, not just initially but on the way through, and then in particular on the unwinding.