Mr. Shane O'Sullivan:

It comes back to "assisted voluntary sale" not being a legal status. If one returns to the template and considers questions Nos. 5 and 8, there is a line that distinguishes between assisted voluntary sale and voluntary surrender and then the category that is being called "legal proceedings".

We fill out this template as it was presented to us. The point is back to the AVS, assisted voluntary sale. There are accounts that no matter what way one looks at the account, whether it is greater than 90 days or less than 90 days, if affordability and sustainability is not there, the most appropriate solution for the customer is assisted voluntary sale. To do that sooner rather than later is preferable because if the situation is allowed to drag on the amount owed gets bigger and the problem gets bigger.