Mr. Richie Boucher:

In those instances we do not know whether the customer is co-operating fully. Where an SFS form has been completed and we are unable to form an opinion or believe the customer can afford to contract a payment, we will take another look. In other cases there is a wide range of issues involved, including that there has not been full disclosure on the SFS and so on. It is impossible for me to judge. We have tried to be helpful to the committee in setting out where we are in the legal process. Again, I gave statistics for the legal process.