Professor Philip Lane:

That is part of the operation of the code of conduct on mortgage arrears, CCMA. If they offer a range of alternatives, they have to offer those to each customer. That is part of our regulation of these firms. We also said, as I indicated, that we know at each reporting date the nature of their different types of solutions. The element that we said we would have to come back to the committee about is the balance between what they inherited versus what they have done. We can look at that area.