Mr. Stephen Mulvany:

The Chairman may recall that we advised the committee that there were three phases of the work. The first phase was data gathering and the second was calculation. Those two phases are now complete. We will be ready in the next couple of weeks to pay out into the 10% of active accounts, which, unfortunately, means clients who are still alive. The balance will take us approximately nine to ten months to identify where best to repay the moneys.