Mr. Jim Brown:

Just to be clear, on the issue of a write-off, what we said was that when we have exhausted all avenues for recovery, there may be a situation where, from an accounting perspective, we may have to write off a loan. That is different from writing down. We believe that with the solutions we have in place, be it economic concessions or some other form, there are sustainable solutions we can offer customers that will keep them in their homes that do not necessitate the need to write down the loan.