Mr. David Hall:

The point is that evidence of those who have engaged exists. That exists within the records of all of the lenders and the funds. People who have given standard financial statements, SFS. My fear is that banks are deciding to sell this stuff to vulture funds because it is less of a hit to take publicly than having Mary, Joe and their three kids in their pyjamas at the side of the street in the three-bedroom semi-detached house down in Mullingar. That is where public chaos will arise.