Mr. Paul Stanley:

We are looking down our lists. We are working through the forbearance solutions we will apply not just to this customer base but to the full customer base. There may be opportunities to do small levels of write-down. The Senator is aware that if somebody qualifies for social housing and enters a voluntary sale of a property that is in negative equity, we do not go after that negative equity. In effect, we do write-downs in that category already.