Mr. Shane O'Sullivan:

To date we have not done so. We have concluded assisted voluntary sales where there is an overhang and there has been negative equity, and we pursue it if it makes economic sense. In many cases we do not do so. What is important is today we are signalling that we are examining fundamentally our assisted voluntary sale offer. We have a pilot with 200 customers and this pilot is all about providing clarity and certainty upfront before the sale about what will happen to the shortfall.