Mr. Kieran Wallace:

Consideration was given, as we had in any of the portfolios we had put for sale, as to whether there was room for individual borrowers to be placed on their own in a separate tranche. That consideration was given here, as we did in respect of any portfolio. As we indicated in our opening statement, we corresponded with every mortgage holder prior to commencing the sales process. We received 1,224 responses, and Mr. Richardson and I, along with PricewaterhouseCoopers, PwC, personnel, read them and took them into account in forming final views on how this portfolio should be sold.