Mr. Adrian Varley:

I must be careful with my language. What we found to be most effective is early intervention in the sense of determining what the borrower can afford, resizing debt and working out arrangements that will help in the short term while negotiating a longer-term solution. When I said that banks need to deal with it, I did not mean that in the sense of dealing with the collateral but rather in the sense of restructuring and working out the problem because the earlier banks intervene, the better.