Mr. David Duffy:

I will make one final comment on that. We have to be very careful in all of our solutions that we look to the entire population in this country. Solutions which are designed to forgive debt and erase problems for just one section represent very inequitable treatment of the rest of the population. In our case, 85% to 90% of our people are repaying mortgages. It is the residual population that we are trying to address and even of those, 70% on interest rate repayments are paying their mortgages back. I am sure some of us have been in negative equity, which does not mean mortgage distress. At the end of the day, as a bank we are not capitalised to try to solve negative equity on a macro basis.