Mr. Richie Boucher:

We are actually doing it. There is a particular technical issue involved, but I do not want to bore the committee with it. If a new arrangement in these circumstances is counted as a redefault on the part of the customer, it has different capital implications for the bank. It is something that would be necessary and appropriate for us to re-assess if it became of significant scale. We are offering it. As Mr. Mason said, we do not wish to have it too tight. Obviously, we have to maximise the recovery of our own money. It is not in our interests for a customer to fall back into an arrears category simply because we failed to take account of a particular emergency. As a business person, it is my job to run a commercial operation. It is in our commercial interests to restructure as many customers as we can and provide for flexibility in emergencies. We do this with business customers and corporate clients.