Mr. Shane O'Sullivan:

That is correct. We have worked for many years with customers who have had revolving short-term treatments but, as Mr. Masding said, we are at a point where we are moving from repeatedly offering short-term treatments to trying to work out the right answer for the long term. What that means for many customers, as is seen on the charts, is split mortgages and other long-term options. Unfortunately, for some customers it means that no matter what way we look at it, the affordability or sustainability is not there and that results in the assisted voluntary sale option. That is an option we speak about to customers before we ever send a letter. I appreciate that sometimes it might not have happened but we never send one of those letters, to my knowledge, unless there is an unintended error, without a conversation with the customer in advance, because we acknowledge the significance of what we are saying in those scenarios.