Ms Carol Dunne:

It is also important to note that the RLEs should be taken as an absolute minimum. There is sometimes a temptation on the part of borrowers to say they do not need a certain amount of money and they can manage on less. That should be absolutely prohibited. It is an absolute "No." Another thing we have found in terms of consistency, even within lenders, is that every five weeks the relationship manager changes, so that there is no potential to build a relationship, which obviously tells us the intention is that there should be no rapport. Every time a money adviser commences a case, one will find that five weeks later one is back to square one.