Mr. Bernard Sheridan:

In case I confused the Chairman, that 25% of people are experiencing difficulty making repayments does not mean they have defaulted. We are discussing specific types of loan. We have undertaken research to determine the impact on the market. One of our concerns relates to interventions in the market. Where will people go if this type of credit is not available? We tread carefully when considering reductions in the market rate, but we certainly would not like to see further increases.