Mr. Mike Allen:

I will respond to a couple of specific points. There are various models for people in mortgage arrears which would allow them to deal with the situations they are in. I refer, for example, to various forms of loans from the State or equity purchases. While this would not be our area of expertise, we would be supportive of such measures. If the committee wishes, we can include a couple of points about the Scottish model in a short written memo. As somebody who was born in Wales of an Irish family, I should mention that the Welsh model has come onto the map as a result of the introduction of very effective legislation about preventing homelessness. The legislation in question is well worth studying. Rather than taking up the committee's time by speaking about such matters now, we can submit a note about them at some future stage.