Mr. Ed Sibley:

I can see that this is a particularly sensitive issue and there is a specific vulnerability for those borrowers that are on splits because it involves not only the repayment of the bit that they are repaying as of today but it also involves a degree of uncertainty as to how that warehouse element is going to be treated in the future. I can fully understand why there are concerns but I emphasise that in terms of our consumer protection codes the approach that we take to consumer protection travels with borrowers in all circumstances where there are splits or in other circumstances. They are not dependent on them being in the banking system. We work very hard to make sure they are all okay.