Mr. Andrew Blair:

In the process of selling all those loans, all the rights and obligations that existed under the loan agreement and security agreements, and all the protections that those customers enjoyed through the regulatory process, whether it be consumer protection code of conduct or mortgage arrears, continue to apply. The assets which we sold are serviced by people who are regulated by the Central Bank and in the circumstances those customers enjoy the same protections, legally and regulatory, that they enjoyed when they were our customers.