Mr. Ed Sibley:

I acknowledge that I am repeating myself, but we are focused on ensuring that consumers are protected, regardless of whether they are dealing with banks or non-banks. We want to ensure solutions are in place and that they are stabilising the situation while moving towards a path to a cure. More needs to be done to solve the underlying problem, as I have said previously. We are working on that and pushing lenders to do so as well. Based on the information we have, there is no evidence that non-banks are more aggressive than banks from a repossession perspective.