Mr. Brendan O'Connor:

They might have been offered alternative solutions but declined them or did not engage at all. I cannot characterise those involved one way or another, but I can say we would have made every effort, up to the courthouse steps, to avoid proceedings because they make no sense for us.

They may have been offered solutions. I do not know. To get to this stage has taken quite some time. What happened two or three years ago was prior to the introduction of mortgage arrears resolution targets, MART.