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39For the purposes of deciding whether to bring a moratorium to an end under Article 13ED(1)(d) of the Insolvency (Northern Ireland) Order 1989 the monitor must disregard—
(a)any debts that the monitor has reasonable grounds for thinking are likely to be paid within 5 days of the decision, and
(b)any debts in respect of which the creditor has agreed to defer payment until a time that is later than the decision.