Mr. Ed Sibley:

We pushed hard to ensure that the protections for mortgage holders that existed within the banks would transfer with them. The determination in terms of the legislation that was passed focused on the activity of credit servicing firms, rather than the loan owner. That has relatively recently happened so we are working our way towards authorising those firms. As regards being able to say definitively whether or not it is working, it is probably a little bit early to say. However, it does not preclude us from potentially approaching the loan owners. We have had a degree of engagement with the loan owners.