I propose to take Questions Nos. 179, 197 and 235 together.
I have no plans to prevent the sale of loan books to unregulated entities, regardless of the location of the owners of such entities. This matter is legally complex as it could affect contracts already entered into. It needs careful consideration. For that reason, my officials are currently examining the issue with their colleagues in the Central Bank and in the Attorney General's office. In the meantime, I understand that a number of the purchasers of mortgage loan books are abiding by the Central Bank Code of Conduct on Mortgage Arrears on a voluntary basis.