Mr. David Duffy:

We are catching up on the book in this process and it was the bottom end of the book, those longest overdue, who ended up in that letter situation. Therefore, we would expect the percentage of that in the total portfolio to continue to decline. It must be remembered that with regard to those letters, a good portion of those who received those sent out earlier have already come back to engage in the process and are already removed from that total. Therefore, the number will decline as an absolute quantum and will not be linear.