Mr. David Duffy:

Mr. O’Connor will comment but in all of these situations, the frustration is that people often look for the most negative outcome. This involved people in distress, plain and simple. There are many cases, well-documented and much talked about on radio that have been resolved, which were in legal stress. There are write-offs and other considerations in those compromise situations. The fact of that engagement is with one of our virulent critics, which remains a virulent critic but at the same time is of great benefit to customers. I say that to correct any negative perceptions. In specific terms, Mr. O’Connor has had very detailed experience of negotiation and he should comment on this.