Mr. Jeremy Masding:

We look at different alternatives for each of the non-performing loan, NPL, portfolios we have. In this particular case, as we outlined to each of the Senator's colleagues this afternoon, the loans are treated non-performing loans. They have alternative repayment arrangements in place, therefore they represent a steady stream of cash and are absolutely aligned with the securitisation structure we have outlined this afternoon. It is a matter of horses for courses. It depends on the characteristics of the loans, as I said in my opening remarks.