Mr. Shane O'Sullivan:

We did address that issue earlier. At its core is moral hazard. There are many thousands of customers who continue to struggle to meet their mortgage repayments, be they full or restructured. Just as the members have different constituents, we have different customers. It is very hard to justify to customer A who has struggled for the past six, eight or ten years to make their repayments that customer B should be allowed to have debt forgiven. That is a very difficult-----