Mr. Brendan O'Connor:

No, there is quite a bit within that category. A significant portion of those accounts will take some time to resolve because they are associated with cases of separation or divorce. That is a significant cohort and issue. It is very difficult to put a resolution in place for people who bought houses together. They can be on some short-term forbearance. We need two signatures for legal reasons, etc. There is a stock and flow issue in respect of working through, and dealing with, the more complex cases. Of the 10,000 or so that have yet to be resolved, we do not have a standard financial statement, SFS, for approximately 3,500.