Mr. John A. Moran:

We have been clear that to the extent that debt is unsustainable, we would like to see progress from the banks on those issues. We have been putting pressure on them, particularly in private discussions, to move forward on that. We have seen, particularly with changes of management in some of the banks, that it has been discovered that the banks were not capable of conducting what was required, even starting with the collection of mortgages where people who could pay should be paying. Starting from that principle, they have begun to beef up teams and have made significant progress to start with the collection of mortgages where people can pay through to collecting the financial information to be able to work out the right solution for each customer. They are working with us on the options.