Mr. Jim Brown:

The reason we are issuing the legal letters is because we are looking for customers to re-engage with us in order that we can come to some sustainable solution. The problem today is that those customers have not engaged, despite us contacting them through letters, by telephone or whatever it may be. Consequently, that has left us no recourse but to issue the letters. Having said that, since we have issued the letters, we already have had 20% engage with us. If the trend continues as per other international markets, we expect this could increase to as much as 70%. While we still are very early into the process, I do expect to see a lift from more than 20%.