Mr. Ed Sibley:

We can talk a little about protections for those borrowers in distress and more broadly. The framework in place applies regardless of whether a loan originates with a bank or is owned by a non-bank. Indeed, the retail credit firms have originated about a third of the loans that are on their books. It would be an odd situation if the State was to be comfortable with a position where people are in a worse position if they take out a mortgage with a retail credit firm than they are with a bank. In fact-----