I am sorry for taking so long, convener, but this is a detailed matter.Amendments 13, 16, 25, 28, 31 and 34 would add to the criteria that the court would be asked to take account of when considering whether to grant an order under my bill.My proposals provide that the court must consider the nature and reasons for the default, the applicant's ability to fulfil the obligations within a reasonable period and the ability of the applicant and other persons residing in the property to obtain reasonable alternative accommodation.The Council of Mortgage Lenders pointed out that, at present, when a mortgage debtor gets into difficulties, in the majority of cases the lender will make significant efforts to resolve the situation with the debtor, in line with the mortgage code...