Mr. Stephen Bell:

We hope the minimum possible number. We ensure that one of our field agents attends court when there is a court hearing so that if a customer wishes to talk, even at that late stage, he or she can do so. As I mentioned, about 45% or 50% of customers re-engage on the steps of the court. We have told the committee that realistically we would expect to see between 1,500 and 2,000 repossessions through the cycle. We have see a few hundred so far, but we would not expect all 4,690 cases to end up in that position.