| http://www.w3.org/ns/prov#value | - Tom Flynn Most of the increase is coming from the US and our delinquency rates in the US are up and the impaireds are up and really it???s a function of continued high [employment] rate in the US and the housing market that is still weak in the US. We expect delinquency levels and impaired levels to continue to be elevated in the US possibly with a little bit of an upward trend for a while.
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