Mr. Bernard Sheridan:

In the opening statement I indicated that this is an area of concern for us as people are using moneylenders for longer periods, which may be down to how moneylenders are operating. They are offering new loans to people and, in a minority of cases, to people with existing loans. Our concern is whether the loan is offered to keep the relationship going and the debt in place. We are considering how to intervene more strongly in that area.