Mr. Shane O'Sullivan:

I can. The MART target is a measure of how one is dealing with customers who are deep in arrears and "deep in arrears" is defined as being anything from 90 days in arrears plus. That could extend out to a great number of years and the MART focuses exclusively on that cluster. Beyond that, every bank will have customers who are less than 90 days in arrears. They are in arrears for between one day and 90 days. In addition, every bank will have customers who are not in arrears but who are on some form of forbearance or who have indicated that while everything is fine right now, there may be trouble ahead. Outside of MART, we clearly are seeking to put in place sustainable solutions for all of our customer base. The chart to which the Deputy refers shows how we are progressing on the cumulative MART and non-MART accounts, whereas the template that we submitted focuses exclusively on MART.