Mr. Maurice Crowley:

It is a difficult one because a bank, in making a new loan, is going to be influenced by the experience of the past which was caused by a range of factors, not a single one. Certainly, it is something we can discuss with members. It is challenging because a lot of bank lending is based on track record and affordability, including the ability to pay rent in the past. There is no getting away from the fact that it colours the decision on credit availability.