Mr. Jeremy Masding:

We changed the nature of the communication. Every time we learn stuff. I am very nervous around the word "inertia" because that implies the bank is sat on its hands trying to maximise the interest it makes by not doing something. I am conscious of the fact that we need to keep communicating with customers to avoid any accusations of us preying on inertia and we are definitely not doing that. We have a regular communications cycle. We iterate those communications as we go along and, at the end of the day, I use even events like this to encourage customers to take advantage of what is a compelling offer for them.