Mr. Brendan O'Connor:

No. I can tell the Senator when we grant a write-down, but we do not disclose where we do it. To the extent that somebody is involved in a voluntary surrender, where he or she has no affordability and no cashflow such that we cannot construct a sustainable solution that will allow him or her to keep his or her home, we will look at the residual figure. To the extent that there is no affordability we will write an agreement that states the residual amount will be written off.