Mr. John Hogan:

There are protections built into the legislation by virtue of the codes that are there, and they will apply through the regulation and oversight by the Central Bank and the credit servicing firms. Also, if a situation arises, and we alluded to it earlier, whereby a particular decision which was detrimental to the borrower was taken by the owner, there is an opportunity to make that application of appeal to the Financial Services Ombudsman, and that is being drafted currently in terms of the legislation.