Mr. John Hannigan:

It is not an impediment but we have been told that if there was a statutory regulation, it would help with the pricing of it. It has not stopped us being offered money at reasonable rates under the voluntary code, but a statutory code would probably make that a little cheaper and it would also give much more security to the funders as well, so it is an important element. It is something for which the sector has been asking for quite a time.