Mr. Christopher Lehane:

This is a real practical difficulty and it is one I am dealing with in bankruptcy. Equally, it is a difficulty, even if there is mortgage indebtedness, when people separate and there are two homes to be financed. In the normal course, that is a huge burden on both parties. The difficulty at present is that the property is in negative equity in the middle of all this, but it is not necessarily an insolvency issue.