Mr. Jeremy Masding:

I do not think it is there to demean. I refer to our track record in supporting customers in financial difficulty. I contend that 30,000 treatments is a lot of treatments. The approaches we have taken over the past six years, which we have outlined, show that we have not lacked effort in trying to work with customers to find the right solution. The point we are trying to make this morning is that because we need to make the bank safer and enable it to grow, we are now running out of options.