Mr. Gabriel Makhlouf:

One of the obligations that lenders have is to make sure that they understand the circumstances of their individual borrowers. If lenders believe that their borrowers would find it difficult to meet their mortgage obligations then the lenders must look at how to support the borrower, including, potentially, through restructuring the loan. So there are a series of obligations on lenders and what we are doing at the moment is making sure that those obligations are being delivered. We are doing a piece of analysis. Next week, we will publish some of the work that we have done but the work is ongoing.