Mr. Ed Sibley:

I appreciate that there is a degree of confusion, as we are talking about arrears as well as NPLs. There could be a loan that is not in arrears but is still classified as non-performing. It could be a question of timing. The loan could be returned to performing for nine months and going through a probationary period or it could be connected to another loan. I have seen instances of people with loans that were meeting their terms but who also had connected loans with associated pulling factors.