Mr. Brendan O'Connor:

No. We agree the residual debt with them. In many cases, there is a significant residual debt write-down because they clearly cannot afford it. In some cases, there is no write-down because there is the capability to afford it. People wish to move and sell their houses. They do carry the debt with them in some cases but they only carry it if they can afford it. We include rent under reasonable expenses at that stage.