Ms Derville Rowland:

I read a newspaper article this morning which had some very limited information. With that limited information, I can say that, as regards some parts of the complaints that he has received from people who have issues with their loans that are in the non-bank sector, the ombudsman has made a determination in regard to the scope of the complaint with the credit servicing firm that his office can make decisions on those responsibilities but he seems to have determined that his mandate will not allow his office to make decisions on other parts of that. I can only see what I read as well and I take that at face value. I can only repeat that we are fully supportive of that being closed in whatever way that is material and possible.