Mr. Shane O'Sullivan:

If they were in legal proceedings, they would be included in the 2,758. They have not had legal proceedings, however, as I mentioned, there are letters that issue in advance of legal proceedings. We have a campaign under way whereby we are proactively reaching out to customers to encourage them to come and talk to us. Based on the information we have, we believe there is a solution in many of the circumstances, but we need to verify and update the information. If there is a solution, we will provide it. If not, we will go down the legal route.