One other issue to which I wish to draw the attention of the Minister of State is the direct mailing of people offering them loans which they have not sought or applied for at terms which are often far from competitive. I have a serious concern about this which others have also expressed in recent days, namely, that people would be lulled into consolidating other loans or taking out new loans, often for consumable items that do not have an ongoing financial benefit. This direct mailing practice should be examined. Financial institutions should be allowed to advertise in the media but we should seek to outlaw direct mailing as the consequences can be serious for individuals lulled into availing of what they consider easy access to money at cheap rates but which are not cheap in practice as they discover subsequently.