Mr. Brendan Burgess:

I ask the committee to look at the figures. I did go to a lot of difficulty to put them out there for the committee. There are 24,000 mortgages that have been in arrears in excess of two years. There are 40,000 in excess of 90 days' arrears. There are 10,000 who are in five years' arrears. I estimate that the figure is 10,000. I go down to the courts and I see the people there who are paying nothing, and who are chancing their arm.