Mr. Bernard Sheridan:

We have achieved the fact the codes will continue to provide the protections after the loan is sold. Regarding the banks, when the loan is sold, they might say they have no further interest in it, but in the tracker examination, for example, we have put the onus on the banks that originated those loans to look back at the loans to see if people were treated appropriately. Therefore, it is not a complete ability to walk away from their actions and how they treated those people before the loan was sold.