Mr. Jim Brown:

What we are pointing out is there is a significant minority of customers who are in arrears in their mortgage and who are paying nothing towards the cost of living in the home in question. That is where we have the issue. We want those customers to engage with us and for them to work with us on coming to an arrangement whereby we can keep them in their homes but also have them servicing their mortgages. That is the point we were trying to make.

As for the current loan-to-value ratio up to which we will lend, it is 90%. Generally speaking - Mr. Bell may correct me if I am wrong in this regard - most of the new loans we advance are between 65% and 70% of the value of the property.