Mr. Eamonn Crowley:

The rules set out are no different for a first-time buyer and someone switching who wants to change their home or someone switching from a credit servicing firm. There is an overlay on a missed debit for particular reasons. Naturally, it takes into account that if there was a continuous issue, an individual would not be able to meet their repayments. I appreciate that it is somewhat fearful but that said, it applies in the exact same way for a first-time buyer. Anybody who comes to a bank is under the same rules. The Deputy asked about numbers. Up to the end of June, we had 200 applications from credit servicing firms, about 100 in the second half of last year and about 100 in the first half of this year. I hope we will see an increase in that. We approved 75% of those applications, a higher approval rate than the first-time buyer approval rate in general, from application to approval. About 80% of those customers have already switched. Primarily, they came from Pepper and Mars Capital but Pepper is the-----