Mr. Bernard Sheridan:

I will not comment on specific institutions. The framework basically sets out the priorities in identifying the impact to customers, fixing the problem and communicating with the customer at that point. In terms of progress being made in individual institutions, a number have started to contact cohorts. I cannot comment on a particular case as to whether a person has been contacted. They are working through their loanbooks, so maybe the person is not in a cohort that has already been contacted.