Mr. Cormac Ryan:

I will repeat what I said earlier. We are not in the business of repossessing homes. That is a last resort. We are in the business of finding solutions. We have found more than 4,000 solutions for customers in different situations in the past six years. That is where we focus our attention. Every situation would be slightly different as to what is available. Our focus would be on finding a restructuring arrangement that works for the customer, keeps him or her in his or her home, and allows the debt to be paid eventually.