Mr. Ed Sibley:

There have been sales, but the particular example the Chairman gave was in reference to one institution. As part of our engagement with all firms, we are ensuring that they are addressing the levels of non-performing loans they have in a way that is sustainable and respects the need to address the problem but also protects their consumers. We have raised this previously. Regardless of the ownership of the loan, it is really important that customers remain protected under the CCMA. We are ensuring that any decision taken in respect of loans factors in very sharp consideration of the end consumer.