Mr. Shane O'Sullivan:

That same customer would more often than not have had multiple short-term treatments over many years. We have given these customers a six month moratorium or interest-only opportunities, which is absolutely the right thing to do, over a long period of time but, as Mr. Masding said earlier, we are at a point where we are trying to make sustainable decisions for the future. Unfortunately, no matter what way we try, sometimes we cannot place people in the long-term options.