Mr. Cormac Ryan:

To answer the question, I need to make a distinction between Glenbeigh, which we are here to discuss today and which is about residential mortgage homes and how we deal with those, and the majority of the cases the Chairman has just mentioned, which typically involve buy-to-lets and commercial real estate. These are not people in homes, they are investors. Some of them are small investors and some are larger investors. There is a different set of rules and a different set of codes that surround those. Going through those cases is not necessarily indicative of what we are here to talk about today, which is the Glenbeigh portfolio.

It tells me that I do not want to have anything to do with Pepper. That is what it would tell me if I was unfortunate enough to end up with Pepper, based on what is being said here. I am just giving Mr. Ryan an opportunity. I know it is about Glenbeigh but this discussion is also about what he has told the committee about how Pepper does business. I want these 6,200 customers, or however many it is, to be reassured by him but what he has said so far has not been reassuring. I am giving him the opportunity again, in the light of cases where customers are critical of how they were treated by Pepper, to step up and give us the reassurances again and perhaps to reach out to those people and tell them to contact whatever the number might be.