Mr. Justice John Hedigan:

Yes, I understand. The Senator has made a very good point. When I first came across such instances, I could understand the degree of bitterness that people felt at not being given the same discount. I do not know the answer. Perhaps it is very difficult to do that on an individual basis as opposed to putting together a whole portfolio.

Certainly, one thing we are focusing on in every issue we come to is fair outcomes for customers, that is, that they be treated fairly and respectfully. There always will be repossessions. That is the way it is going to work. I have had people in front of me for whom I would have loved to do something but I could not. The one thing that I could do was to adjourn the case for six or eight months but that would do them no good and would only put off the evil day. Extremely serious moral dilemmas like that face everyone involved in these matters and I am very sensitive to that issue. The question as to why one does not get the discount that vulture funds get is a very good one.