Mr. Ed Sibley:

I appreciate that we have had discussions with the committee before about letters received and phone calls made, and I appreciate the distress involved. That is why the CCMA and consumer protection code exist. In terms of repossession as a last resort when dealing with the percentage of loans that are in distress, there is no evidence that the funds are pursuing repossessions from a strategic perspective more aggressively than the banks. Where there is a difference, and we discussed this last-----