Dr. Michelle Norris:

My personal opinion is that there is a strong argument on grounds of equity for addressing the position of those people.

Regarding the other point about our mortgage insurance, as Mr. O'Leary mentioned, the local authorities have a group scheme for mortgage protection which covers illness and unemployment. It does not cover default but compared with many of the schemes on the market from the private sector throughout the boom, it is a relatively generous and solid scheme. It has been very useful from the agency's perspective for protecting our risk but it might be worth exploring whether it could be extended. Obviously, that is outside our remit but I am aware of many of the problems associated with similar products being offered on the market.