Mr. David Hall:

Mr. Kissane, Mr. Burgess and myself were discussing this earlier on. There was a seminal moment in the tracker situation when Mr. Kissane's clients came forward. It is a very difficult thing to do and I do not need to tiptoe around that. Like the committee, we appeal for the vultures to appear here. They should appear here, and understand that this environment is not as challenging as some might think it is. It would be very powerful and useful for people who were there, and who would be up to it, to come. They do not have to be experts at having conversations. Everyone here is human. That is what the committee does. It makes people feel comfortable. It is imperative that those who are able to do so contact the committee or any of us here and we would assist them. We will be asking a number of people we are currently dealing with to come forward, particularly those who are in pre-arrears and fearful of what is going to happen.