As usual, his comments have been extremely helpful.Item 4 is also on the Bankruptcy and Diligence etc (Scotland) Bill.I welcome Susan McPhee and Margaret Burgess from Citizens Advice Scotland; Alistair Hamilton, who is on the diligence committee of the Law Society of Scotland; John Glover from Registers of Scotland; Adrian Stalker, who is principal solicitor at Shelter Scotland; and Yvonne Gallacher from Money Advice Scotland.