Mr. Jeremy Masding:

The Deputy would expect me to say this but there is a difference between conscious discrimination and having to make a trade-off as a businessman. I absolutely accept the challenge that we should have fair fixed rates for our existing customers. I absolutely take that on the chin. In any organisation, choices have to be made about where resources are allocated. We are moving on to it and the Deputy has my commitment that we will do competitive fixed rates in 2017 for our back book customers.