Mr. Alan Dukes:

I cannot say at the moment. We are perfectly happy to talk to the committee when we have worked it out. We are making the point that we see the value of the solutions included in the mortgage arrears resolution process, some of which will resolve a large part of the problem, if not the whole problem, for many people in difficulty. It will not deal with the whole problem and we are anxious to find a way to make progress beyond that point.