Mr. Cormac Ryan:

No, absolutely not. We want to find a long-term affordable solution for the customer. It is difficult for me to give an answer to a hypothetical scenario apart from saying that we would want to find a solution for him or her. As I said in my opening statement, that is what our team does. In the six years we have been here we have come up with more than 4,000 solutions for various customers in difficult situations. We will look at the arrangement. This is a good example of where a person's circumstances may have changed negatively. We would absolutely want to find something. It could be a change to the ARA, it could be changing the term of the loan, or it could be an additional interest rate. We will look at the whole suite of options we have to find something that actually works-----