Mr. Ed Sibley:

I wish make matters clear in the context of the earlier question, and then Ms Rowland will come back in. There are in or around 90,000 owner-occupier loans where the lender is a retail credit firm or credit servicing firm, as at the half-year point this year. They are serviced in a number of different ways, but potentially by a smaller number than the 35 firms that were mentioned there. What Ms Rowland was describing is the work that we have done in terms of being on site where those loans are being serviced. It relates to in the region of 70% of that 90,000 where they are being serviced.