Mr. Jim Brown:

In terms of sustainability, what we seek to do is come to an arrangement with a customer who is seriously indebted that allows him or her to stay in the home. This is, however, based on affordability. We will go through a process, look at the person's income and reasonable costs of living and then structure a solution that we believe will invariably keep the person in the home. That is how we look at it. The issue is one of affordability.