Mr. Stephen Mason:

The Senator is talking about something that I have not seen. However, I can say that the SFSs that we receive from MABS are of a very high professional standard. I can also say, and we have proved it in our presentation today, that when we put forbearances in place, 86% of people continue to pay those forbearances. The industry average is 77%. If any bank is trying to get the last pip out of a customer or trying to set their standard of living so low that they cannot sustain it, that is one way of making sure that the forbearance falls over. We are not doing that.