Mr. Ed Sibley:

We ensure the risks associated with loan sales to consumers are understood and mitigated. As I mentioned, there are differences in treatment across the banks and there is a difference in approach to what we would describe as "curing" a non-performing loan back to performing status. Some of the choices involve banks incurring more costs than they would like and result in their making different decisions. We can get into the process now if the committee wishes, although it is quite complex, but I am happy to follow up.