Mr. Jim O'Keeffe:

It is a difficult balance to strike. We are obviously very careful with the credentials of the individuals, whatever form they come forward to us in. We have experience of dealing with these entities in the past and making sure they are not extracting the wrong outcome for the borrower. As part of our due diligence in terms of the outcome for the borrower, we have clear sight over fees and everything that has been paid. That is important. We should all reflect on what might happen if the banks began to say we will not engage with third parties or trusted advisers for borrowers, who may sometimes operate in just two or three cases, or maybe more. In our experience over the years, third-party advisers have helped borrowers from a mental health and well-being point of view. If we are alluding here to a small group that can cause difficulty for borrowers, we are very alert to that type of activity. To be fair, however, I would not like to cast a shadow on all those third-party advisers. We have found them to be good over the years. There are a lot of genuine people who come forward and work with borrowers.