Mr. David Hall:

That is the point. It is the most fundamental question in the world. Where was the Central Bank in the article today in regard to Pepper? Mr. Burgess is right in regard to Start, which is a slightly more difficult case because the questions being asked are about engaging with customers. If the arrears a person is getting in the post every few months are exaggerated, the person is less inclined to engage because the mountain looks too high and too big to climb. Where was and where is the Central Bank? These are the regulated entities that the vulture funds are reliant upon.