Mr. Tom Dunne:

It is a far more complex area than most people think. Even if there was an independent authority holding disputes, that would not necessarily reduce the number of disputes. All that would happen as a result of that is the money at the end of the dispute would be paid from a fund. The proposition is that would be more secure than getting it back off a landlord and easier, in fact, because, ultimately, if a tenant has a determination order from the RTB saying he or she is owed his or her deposit, to effect that, the tenant may have to go to court, whereas, if you get a determination order from the RTB and there is a fund in place, you can go to the fund, present the determination order, and it will pay it out. It is a very complex area.