Mr. Ed Sibley:

We publish quarterly information on the profile of the accounts that are held by banks and non-banks, detailing loans without arrears, those with arrears, those in arrears for more than 90 days and those in arrears for more than 720 days. That information is split between bank and non-bank. We do a significant amount of work on mortgages within banks and non-banks. Most recently, we published the review of the code of conduct on mortgage arrears, CCMA, in the second half of last year. That was based on our work in non-banks and we can discuss it further if that would be helpful to the committee. Clearly, we will do more work in terms of the intrusive supervision which we undertake. We will continue to publish the data on what is happening in the system and, obviously, keep under review our ability to publish our findings from our ongoing work.