Mr. Bernard Sheridan:

We applied a new consumer protection code to this sector in response to the 2007 research. One of the focuses was on the issue of loans being so expensive. To some extent, that is bearing fruit in that people who responded to the survey were generally aware that these were high-cost loans and they were aware of the cost they were paying. It is not as if we have done nothing in dealing with these issues. The process moneylenders are following in rolling over loans is one we are examining.