Mr. Richie Boucher:

All I am saying is that bankruptcy is a very significant decision that depends on one's individual circumstances, how one feels one can come out of it and how one's credit rating will appear after it. It depends on the individual circumstances of the customer. We would recommend that a customer gets independent advice, not advice from the bank, as to what the option at that stage is. The customer should get independent advice from MABS or someone else. They need to understand the implications of bankruptcy. That is the only point I am making.