Mr. Neil McDonnell:

When we survey people in the bank survey I deliberately put in the example of an overdraft because that was the first case I had heard of. Debt comes in many forms. There is very long-term mortgage debt, short-term business debt of between five and seven years and one thinks of an overdraft as a very short facility, generally of less than 12 months and similar to credit card debt.

All of those are in scope if one's bank decides that it wants to liquidate an asset. We will come up with a policy on this if there is an upswell of demand or a persistent demand for one type of issue to be dealt with by the membership. The fact is, as an organisation, ISME is constrained in the presentation we were going to make to the committee. I am not sure what Senator Burke is after but we are doing our best.