Mr. Ed Sibley:

That is a reference to those that are currently classified as being pursued through the courts. There is a difference, which we discussed somewhat the last time we appeared before the committee, between the restructures that are in place in the banks and those that are in place in the non-banks. For example, there is typically less use of split mortgages in non-banks. There is some evidence of a greater willingness to agree debt write-offs through the non-banks than there is through the banks, but that is more anecdotal evidence than hard evidence. The fundamental point is that, regardless of who owns the loans, there are protections through the CCMA and the consumer protection code, which Ms Rowland can discuss.