Mr. John Trethowan:

With regard to appeal outcomes, there is no difference. Each bank has a different culture and feel. It would be typical for any organisation.

I did not ask the Chairman's question about conditions that are applied. The trade organisations are finding conditions are being placed on lending by some banks, which is making it difficult. This concerns life assurance and guarantees which may not be expected. It is an ongoing debate. A person can appeal to the Credit Review Office if the feeling is that conditions amount to constructive refusal.