Mr. Stephen Bell:

I agree. Unemployment can be many things. We have customers who are contract workers who go through a period of one, two or three months of unemployment between contracts. Their circumstances are very different from those of the long-term unemployed. We still try to work with those in long-term unemployment so that whatever income they have can be made appropriate for the mortgage they are servicing. If they cannot pay, or if it is just not possible, we need to be mindful of that. Not all mortgage arrears customers, even those in very serious arrears, are eligible for social housing.