responsible lenders and have very low default rates, a very small proportion of their customers are struggling to repay their debts. and crucially that they welcome the forthcoming regulation that here in the uk will offer a lot more protection consumers who use by now, pay later, and the uk government treasury estimate 10 million people use that in the uk. so they will be afforded a lot more protection. thank you very much, thank you, dan, from radio four s money box. let s have more now on our breaking news this hour. the failure of the passport e gates at the uk s major airports and at other points of entry which is creating long queues in arrival halls. 0ur correspondent david waddelljoins me again. what else can you tell us about this meltdown? aha, what else can you tell us about this meltdown? , ., what else can you tell us about this meltdown? ~ , ., ., what else can you tell us about this meltdown? ~ , ., ,, , meltdown? a bit of a crisis, this has been going meltdown? a bi