Mr. Jim Gannon:

An appendix at the tail-end of our presentation shows two or three examples of consumer models we already have tested. We achieved good results with those. Some credit unions are involved in these. There will always be a premium for high street banks to develop a new product but they realise that a paradigm shift is coming. The Department has already mentioned ongoing work with the SBCI, NewERA and others to examine options here. The employer model has been tested successfully. It is analogous to the cycle to work scheme. Other options such as tax rebates or green mortgages are being used in other jurisdictions. Again, no single one of these is likely to be the solution for everybody. We must package several of these differently for different people with different abilities to pay.