Mr. Jim Brown:

There are a combination of issues that may have led to that. One is that I do not think the banks had enough staff to talk to them, specifically on mortgage arrears. The banks also did not necessarily have the right solutions. I think that was a factor. Then one adds on the delays in resolving the CCMA, then the Dunne ruling and just the talk of default. All of those factors have probably played a part in some of those customers choosing not to pay.