Mr. Paul Stanley:

First, we are not in dispute with the Central Bank. The Senator missed the earlier part of our discussion. The Central Bank has asked for extra evidence and asked us to look at a number of policy areas again. These were judgmental areas in terms of whether cohorts or elements of customers were in or out. I ask the Senator to let me finish because he missed the earlier part of the session. I expect that to be resolved in the next few weeks. I also said I would not talk about specific numbers here, but we do not see them on the scale of the 3,500 we have already identified under phase 2.