Mr. Jeremy Masding:

I think what we were trying to assure the committee of this morning, being completely transparent, was that we were going through the cases quickly because we were so far behind. We had no arrears management capability, but are playing catch-up now. What we were trying to do this morning was provide transparency and assure the committee that we think about affordability and sustainability, but that those who end up in a legal closure are there not because we have not tried to find a solution, but as a consequence of lack of affordability.