Mr. David Duffy:

The question of how many bankruptcies we have was put to me. It is something we seek to avoid in all circumstances. The only circumstance where we really end up in bankruptcy is where we have been unable to resolve a situation. Someone may make a decision to leave the country and seek to be bankrupt elsewhere and we would be forced into it. However, we have not as a matter of policy actually originated bankruptcies in this country.

Mr. O'Connor will answer the question on tracker mortgages for the Senator.