Mr. Ed Sibley:

No, not directly. I am not saying that this is necessarily the path the country would wish to take, but there are jurisdictions where legislation has been introduced to prevent that. Greece, for example, has passed legislation to prevent PDH loans being sold to non-bank entities. The Central Bank does not have powers to prevent that. However, it is important to point out the work colleagues did to ensure the protections associated with being within a bank in terms of the code of conduct on mortgage arrears, CCMA, are applicable to borrowers whether they are with a bank or a non-bank.