Mr. David Hall:

That is the problem. This is not simply about numbers and bricks and mortars. This is about human beings and people with stories. Banks are complicit in what happened here. Let us be very clear, they are not innocent bystanders and the bastions of financial stability in this country. They have caused debt and ongoing torturous experiences the length and breadth of the country. We have this mortgage arrears resolution process rubbish and call in centres with 50 staff or 500 staff, but those 10,000 people are not 10,000 people, they are 40,000 people.