Mr. Jim O'Keeffe:

I would highlight for the Senator that we will have reached a conclusion with them on that. If there is an ongoing legal case in that regard, that would work through separately. We have reached a conclusion on the tracker mortgages with customers whom we compensated in some instances and then the customers were unable to resolve their debt. The key point is that there are two completely different issues in regard to that. The first is the tracker investigation and making sure the customer is compensated. Second, post that we have to engage with the customer to make sure he or she can repay the loan.