Mr. John Trethowan:

I will answer that question and also perhaps Deputy Doherty's question about our costs. I would say 50% of total cost has gone on advertising. We use an agency to ensure the advertising is effective and we see a spike every time we launch a campaign. It drives business into the Credit Review Office.

I refer to the coverage of each county. I remind members this is a borrower-driven initiative. I cannot make people come to me.