Mr. Richie Boucher:

I would guess that in some situations, for example in our leverage finance business, which is an international business, we have had to do that, usually as part of a club with other banks or in deals ourselves. I would guess in some work-out situations we have had to incentivise either management or existing shareholders.

Sometimes existing shareholders control certain patents. That might be an example, they have certain controls over the company that they are not going to surrender. The alternative is to put a receiver and liquidator in or the equivalent, Chapter 11 in the US, for example.