Mr. Richie Boucher:

I am concerned on an ongoing basis about the image of our bank and that is why I keep reiterating the facts: when we engage with the customer, and we have better engagement with customers, we do not have to employ third parties, we get more restructures offered and more of our restructures stick. The fact that other banks have confused messages and approaches and some kind of a lottery system for what happens, the consistent application of our policies, processes and procedures, has us where we are and the inconsistent lack of policies, processes and procedures has our competitors where they are.