Mr. Richie Boucher:

The consistent application of our process, procedures and policies has ensured that defaults have reduced and that non-performing loans have come down relative to the entire sector. We are performing better than the entire sector. Our arrears and non-performing loans are coming down because we consistently apply our policies. We hear other banks come in with a different story. Our story has not changed. The consistent application of our policy ensures that for the broad issues, we are delivering.