Thank you, Mr. Chairman. On Clause 59(2)(b), "the satisfaction of the obligations secured by the security interest of the secured party disposing of the collateral," -- I wonder what that means -- "...and any surplus shall be dealt with in accordance with section 60." What I am understanding here is that the collateral owner or debtor may share some of the surplus. However, I do not see anywhere that the debtor could be or should be protected so that the collateral is not resold under value, except...I don't know. We seize your mobile home -- I will use Tony's scenario here -- that you bought for $10,000. You owe $4,000, so we seize your mobile home. However, the best offer we could get was $400, so you see, therefore, you still owe us $3,600. There is nothing for the debtor that he gets a fair shake out of that collateral, unless I am misreading that completely. The simplest part is there but the other side is not there.