Mr. Stephen Bell:

It would not be our experience. There is one thing we welcome, although we have some feedback in general terms. The standard financial statement requires the bank to go through a proper discussion with customers about the sources of income and the nature of their expenditure. Certainly it would not be in our interest to take 100% of a person's savings if it meant that it put him in a difficult position simply to maintain a normal lifestyle. It would not be our experience.