Mr. Ed Sibley:

I will start with that and we can then talk a little more about the protections that are in place. The same regulatory protections are in place regardless. We engaged with the Oireachtas to make sure they stood both for banks and for retail credit firms - for non-banks - and that was amended in 2015 and, with Deputy Michael McGrath's Bill, it was extended in 2018. Regardless, all retail credit firms had to engage and comply with our codes. What we can see in terms of the evidence from our analysis of the information we get both from banks and non-banks is that restructures are taking place and engagement is taking place. Unfortunately, when there is a loss of ownership, it is in similar proportions to the level of distress in banks and non-banks, and there is not an increased propensity to foreclose in the non-banks to date, based on-----