Mr. John Trethowan:

In all, we had 331 people approach the office and we have issued opinions in respect of 215 at the last count. There are 22 complaints pending and in the works and 24 complaints where the customer must complete more work. Some 23 complaints were withdrawn by the customer and the banks overturned 22 decisions, outside the appeal process, after the appeal had started. That means the bank has lent the money. We also have 25 applications waiting in the slipstream.