Mr. Stephen Bell:

We have had some exchanges where we have agreed to disagree. We think it would be an unfortunate state of affairs if the customer was happy with the payment, the lender was happy with the payment, the court was happy with the payment and the only person who was unhappy with it was the regulator. We expect some differences of view and would rather we could stand by our actions on the basis of what we think is right for the customer, even if that means we disagree.