Thank you, Mr. Chair.
The reason we use median is that when we used average, we got some numbers that didn't represent a really typical experience because at the long tail there are applications that have been there for a very long time—10 years or more.
Now, we had some doubts about whether those applications were perfectly correct, data-wise, but if you look at exhibit 2.4, you can see that at the long end, you're looking at 89 weeks before you hit that 80% level. You're starting to talk about applications that are closing in on two years. There were about 20% of them in the data when we looked at it. There's a very long tail in that data.