Mr. Bernard Sheridan:

That is a very good question. It is one of our concerns, particularly in relation to unregulated loan owners because we do not regulate their activities. While we regulate the banks we do not regulate the interest rates by virtue of the fact that the regulation of lending into the market is in itself a self control. That is one of our concerns in terms of the unregulated sector and interest rates therein. We monitor what they are doing in terms loans that have been transferred to them. We do that through the servicing agents they have all appointed. To date, there has been no sign of interest rates on mortgages being increased post sale but we are keeping a close eye on that. If we see that the behaviour is such that would not be tolerated by regulated companies we can go back to Government on the matter. It is more difficult for us in that sector.