Mr. Brendan McDonagh:

We see what is going on with other banks in terms of solutions and the approaches they take. We engage at a senior level with other banks. We talk generally about what is going on in terms of how to deal with debtors and case management here and internationally. Many of the people we meet maintain that they cannot believe we are five years down the road and that we still might have a debtor with whom we are suddenly in litigation after five years. Their view is that people should know after 30 days whether a debtor will work with them. The evidence shows we are doing our best to work with the majority of the debtors.