Ms Derville Rowland:

Yes. We have made sure the existing regulatory framework remains in place. As they have been added into an existing regulatory framework, customers are already dealing with credit servicing firms, which will remain in place until the new underlying loan owner is fully authorised. We have already been on site to inspect their loan portfolios and have inspected more than 70% of them, in order to be informed precisely by their activity. We use that to inform our supervisory strategy, as well as our work with them on that deep authorisation.