Mr. Tony McMahon:

They are not let loose on the customer. The legal process is complex and very elongated. My characterisation of the process from start to end is that the banks endeavour to reach a solution for the customer. A lot of engagement takes place. I cannot recall whether the Chairman was in the room when I mentioned we had 164 cases in court proceedings at advanced stages last year that were discontinued. This is an example of where we reached solutions outside the court process.