Mr. William Prasifka:

I thought the most recent figures from the UK on PPI, which were released last year, showed a drop in the trends from previous times. Of course it is accurate to state the experience of PPI in the UK is very different from the experience here. In the UK upwards of 400,000 complaints are received per annum, which is a huge difference. We have not seen this level of complaint. One reason for this is we report on complaints trends and we are not an industry advocate or apologist. Some people have speculated there was a different business model of sale in the UK. I state no opinion on this. I just look at the complaints experience here, which is quite different.