Mr. Bernard Sheridan:

The 15 lenders were written to and that encompasses the whole market. Clearly some loan books have been sold by lenders and what we focus on is making sure that the originator, the person who provided the loan in the first instance, is actually responsible for ensuring that those loans go through the framework to ensure there is redress and compensation. That is happening at present. At this stage we do not have a concern that people will lose out because their loans have been sold.