The reason why I've gone into this detail is because I think it's really important that we differentiate between a warrant to seize property and repossession. The warrant to seize property is what gives the bailiff the ability to come on to the property to seize but repossession is something different in itself. Repossession happens when there's hire purchase goods or goods listed as security under a loan contract, and if a person defaults on that loan contract and payment of it, then those goods could actually end up being repossessed. The lender can take those goods because they don't belong to the creditor. And it can also happen to the guarantors. I'll give you an example. If a car has been smashed up—and this is about a vehicle, a mobility vehicle, that was taken away—in an accident but it's subject to a credit contract and it's written off, then that can be repossessed. However, if the car is not subject to that loan, then it can't be. So the guarantors can be implicated in this way as well but the guarantors—for those people out there—can't take your stoves and your fridges and your clothing either. 