Mr. Stephen Bell:

We would not typically want to do that. We would say to customers that it is an option. If the customer has got himself or herself into a position where their employment prospects have changed or if their revised income simply is not sufficient to service their ongoing obligations, it might be a better option, but in terms of the Deputy's colleague's earlier question, we would not then start chasing people for a shortfall if they had agreed to sell the property without all the costs associated with legal proceedings and all the time delays that may occur. Again, on a case by case basis, there may be circumstances where a shortfall would not be fully chased if the circumstances-----