Mr. David Duffy:

In respect of what the Deputy is asking for, during this quarter, we expect that of the 153 that were offered, at least 70 or 80 will close out as real with no withdrawing so one could call it at least 50% for broad numbers. We would expect that to go based on our discussions. The first quarter was before all this regulatory target stuff so we, in good faith, tried to offer 1,400 of these products and that was depending on one's statement of income and expenses. What Mr. O'Connor is referring to is, in that discussion, only half came back and, based on their information, there were different solutions, not just withdrawal of a split mortgage but the offer of better solutions for their circumstances.