Mr. Pat Fenlon:

At an overall level, we have regular discussions with the Society of St. Vincent de Paul and MABS about the trends we see. It is a relatively small number because we do everything we can to make sure that does not happen.

We have overall discussions with the Society of St. Vincent de Paul and MABS about what they see on the ground and what we see because we see different things. We share that at a suitable level.