Mr. Ed Sibley:

We can certainly engage with the banks further on this topic. It is worth recalling how this issue emerged and its underlying causes. Typically, it arises where a borrower has gone from a tracker to a fixed-rate mortgage and not reverted. Of the hundreds of thousands of borrowers in the system, a small cohort may be impacted by this situation, but I appreciate the Senator's point. It is an issue of trust.