Professor Philip Lane:

As I indicated, depending on the year and the bank, what the contract specified for tracker margins varied quite a bit. Each tracker contract is under comprehensive review in this examination. In those cases where there was overcharging, we are trying to get to the point of redress and compensation. Within the examination, so far there have been 8,200 verified cases which cover a wide range of different levels of harm, as well as different durations of harm. We have not disclosed the breakdown behind that, however.