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Calum, what about e.surv?

Has your engagement helped to improve the bill?

Concerns have been expressed—in the previous session and by other panels—about the urgency of the situation, which is part of the reason why the Government has not taken the time to consult. I would be interested to hear your thoughts on how we could balance the urgency to move forward on remediating cladding with the need to broaden the scope from an insurance perspective.

Okay. Does anybody in the room want to comment on scope?

That is helpful, given that we are making legislation. Mark Griffin is joining us online.

Perhaps we will start with John Sinclair. You knew that I was going to come to you first.

It is important to tease that out more. Is there anything else?

Does anybody else have any comments on the key terms in the bill?

Can you say more about that?

I want to ask John Marr and Mervyn Skeet a bit more about the cladding assurance register. You might have touched on this, but I want to bottom it out a bit. How confident are you that the mortgage lenders—in your case, John—will accept the building’s entry on the cladding assurance register as proof that a property is free from significant fire safety defects? Will borrowers and residents be able to access financial products at a general market rate?