Mr. Ed Sibley:

Our focus is very much on what is happening for the borrower around engagement with the lender, whoever the lender may be, and that the lender is dealing with the borrower through the retail credit firm or the credit servicing firm in a way that is consistent with our expectations around the code of conduct on mortgage arrears so there are solutions available to those borrowers that would potentially bring them to a sustainable path to curing the underlying problem. That is very much our focus.