Mr. Alan Dukes:

We are doing several things. We are not losing taxpayers' money by sitting by and watching loans gradually get more impaired. That is not an active act on our part. If the market keeps deteriorating, we will have to make a bigger provision because more loans will get into trouble. If we move quickly, it will not necessarily make a difference to the level of impairment. If we move quickly and we find a borrower or mortgagor cannot pay, the impairment is going to happen anyway. We are not generating impairments by doing anything or failing to do anything.