Mr. Richie Boucher:

Because that reflected the contractual requirements. We went through a complete process of engagement with the Financial Services Authority, FSA, which is the UK equivalent of the Central Bank and regulatory authorities, both from a prudential and a customer side. The regulatory authorities recognised the pattern we had and allowed us to proceed.

That was a particular part of our mortgage book in the UK. They were not trackers. Some people may have described them as trackers; they were not trackers and could not have been trackers because we could not have done what we did after engagement with the FSA.