Mr. Ed Sibley:

For each of these cases, obviously, it is a terrible case of consumer detriment. Sympathy clearly goes to those borrowers and there is an urgent need to make sure there is redress and compensation for their suffering. With regard to the banks' own statements on this, the banks have come before this committee and spoke of numbers. It is our view that it is less than 100, but one is too many. It is, however, a small number relative to the whole.