Mr. Ross Maguire:

Undoubtedly, someone in positive equity is exposed in a way that someone in negative equity is not. We see cases where people have small businesses and small business debts but have kept their house out of it. They might have an unencumbered house and the banks are after that. This is a terrible situation because one can see the way the bank is looking at the family home. It is no use to people, but in future, the idea of being able to limit one's liability when one goes into business so it does not attach to the family home should be looked at. I do not know what the solution is.