Mr. David Duffy:

Let us be clear again on that issue. The letters are informing the person that there will be an ultimate repossession if he or she does not engage. Consequently, the letter is going to involve an engagement. The output is very simple. It will be an engagement where we come up with a sustainable solution we would like to have and avoid the repossession. As stated previously, there is a bad answer for everyone. In the event that the person does not engage and has the previous three years' record of behaviour, it will become a repossession. Either outcome for the customer will be a sustainable solution.