Mr. Stephen Bell:

With one addition, which is that we actually saw a reduction of 548 in cases that were no longer 90 days plus in arrears at the end of the quarter. It is important to reflect the fact that where one has solved the problem, one no longer reports it in the numbers. To some extent, therefore, one does become something of a victim of one's own success in that one takes the numbers out of the denominator as well as the numerator. We have taken 548 cases out of the 90-days-plus category. Of the ones that are in this category, the split the Deputy gave is representative.