Mr. Jeremy Masding:

It is a double-edged sword - that is the point we are making. We are trying to give customers sufficient space to work either by themselves or with an adviser to ensure that they have the time and space to provide the right depth of information to allow us to provide the right answer. There is no desire on our part to close these cases quickly per se. Our mindset is to close these cases correctly such that the customer has a voice and that we try to get to the right solution. That is the most important thing for us.