Mr. David Duffy:

To be fair, some of those legal letters would have been sent anyway due to lack of engagement, given that the average is the two- to three-year range. The warning letter that goes out under the code says that if a person does not engage, the bank might enter that process. When we sent those letters out, 50% of the people re-engaged. That is before we got to the legal letters, and when we got to them, the real non-engagement category was much more sticky. I do not deny that legal letters would have been issued anyway but probably not the full complement that have been issued to date.