Mr. David Hall:

Yes. Clearly, it needs to be able to take action regarding freezing interest rates in an emergency. What greater challenge is needed other than what the committee has heard from Mr. Byrne and Ms Irwin? Mr. Byrne's point earlier, which I had forgotten, is very important. This is not over yet. We are not having a conversation in real time that has stopped. Nobody knows what is happening. Everyone else watching here today is under pressure with living costs but the interest rate rises have not stopped.