Mr. Brendan Burgess:

I do not think there was a product at any stage for contract employees. They sell payment protection insurance to people who have permanent jobs. If one applies for a mortgage and one is in a contract, they probably will not give one a mortgage. That was one of the big problems with the payment protection insurance scandal. People were sold insurance they could never claim because they did not meet the criteria. I do not think there was a product on the market----