Mr. Bernard Sheridan:

A question was asked about what actions have been taken since 2007. One additional measure relates to unsolicited contacts and people calling to doors. Lenders are precluded. A moneylender is not allowed to call to someone's door out of the blue. The question arose earlier about how people are going to moneylenders. The issue is that it is through referrals, for example, a family member suggesting to a person that he should give so-and-so a shout. Then, they must identify that they have been referred from someone else.