Mr. Jim Brown:

The evidence we have presented today shows that we have the resources in place to address the issues. We have solutions in place and customers are engaging with us and as a consequence we have fewer customers in arrears than we did before. We also have viable arrangements in place for many of those customers who are in arrears. From my perspective what we are doing is working. We still have a long way to go. While it may have come down by 2,500 for those more than 90 days in arrears, we still have another 14,000 cases to work through, but we have the solution, the people and the processes in place.