Ms Derville Rowland:

I do not have to hand all the details around what the issue is with the tied agents, because a myriad of issues were raised. I believe litigation was raised with businesses and there were other issues as well. Because I want to be precise and accurate with the information I provide, I want the opportunity to go back and refresh the information to give it to the committee in an accurate format. I know there was litigation involved, so there are a number of issues from different perspectives. I simply want the chance to be precise.