Mr. Jim Brown:

I would argue that it is the complete opposite. We have people who have vast experience in handling customers who have mortgage arrears problems. I think the results show it is working, the fact that 2,500 customers who were in arrears of 90 days or more, and 5,500 who had arrears at all are no longer in arrears. I think a considerable part of that is as a result of having those experienced people but also as a result of the bank having the solutions in place that we have discussed earlier.