Ms Derville Rowland:

We have asked all of the lenders about the litigation that is ongoing. We know about the cases that have been settled and we are exercising oversight across those cases to see if there are case-by-case issues or if there are bases that have come out that have a wider read-across. I have been clear already in our statement and here before the committee that we expect lenders to look at the cases and, where there are common circumstances, to do the work and the read-across. We expect that of them and we will be checking.