Mr. Simon Crone:

We would advocate that there should always be some borrower deposit. It should be driven by a borrower’s ability and willingness to pay. There should always be strong calculations about affordability and prudency. Willingness to pay is driven by what we say colloquially of having some skin in the game. We always believe a borrower should have some form of down payment for a mortgage loan and it should not go beyond a 95% limit. There should always be at least 5% that the borrower is investing in the property purchase.