Mr. John Moran:

I have already said the repossession numbers are at an unnaturally low level because of the fact that we have been trying to put all of the various pieces in place for a proper resolution of this across the system. Now that those pieces are falling into place the banks can actually move - or should move - forward to resolve more and more customers, to up their level of engagement with customers so that we can seek resolution of it across all the different scenarios and solutions we have proposed.