Mr. David Duffy:

It can get complex. In the majority of cases where the home owners cannot afford it, we write off the residual debt and they can go and rent somewhere and live a much happier life. This is a small cohort of a small percentage. The other smaller minority who can afford it but cannot afford the full amount get a write-off, pay what is affordable and can move on and pay their rent within that. We are trying to be flexible with them on every possible level, and many of them choose to move.