Mr. Jim Brown:

I wish to add to Mr. Bell's comment. We have some other offerings such as the economic concession. We constructed those loans in such a way that the repayment reduces considerably and is far cheaper than what it would cost someone to rent a house. They get to stay in their house. They have got a solution in place that keeps them viable without any write-down of the debt. For us, it is all about affordability and ensuring that we can keep customers in their home. We do it in such a way that is affordable as well.